It also comes into play if a Guest of the Tenant gets injured in/on the property, as it would be a first layer of coverage, protecting you further and possibly covering your deductibles.

Should you choose to sell, I recommend conducting a comprehensive assessment, including an evaluation of potential tax implications, especially if you anticipate capital gains.

Your framework is good, but here's what I'd tell you based on doing a bunch of these deals:Focus on these numbers in this order: Cash on Cash Return (monthly cash flow divided by cash invested), Cap Rate (NOI divided by property price), and then debt service coverage ratio (DSCR).

Investors and lenders are talking more about true cash‑flow coverage, realistic ARVs, and stronger covenants.For those active in private money this year:What’s carrying the most weight in your deals right now—DSCR, borrower experience, or down payment/equity?

You would be much better refinancing the existing loan into another debt service coverage ratio loan.

Automated ownership research, 160M+ title records, industrial market coverage, and a completely redesigned UX.

Having a personal umbrella with each LLC listed as an additional insured can be cheaper, but it may not provide the same level of coverage in the event of a liability claim against the LLC.

Many investors will pull equity to around 65–75% LTV to keep payments manageable and maintain strong DSCR coverage on the rentals.There usually isn’t one “best” structure — it really depends on whether your priority is lower upfront cost and simplicity (blanket loan) or long-term flexibility for selling/refinancing individual properties (separate loans).You’re asking the right questions though.

Instead, you may want to look at beefing up your insurance coverage and use a lawyer just for your partnership agreement. 

Most sellers will rather give you 0k in closing cost coverage than drop price 0k because they're anchored to the sales price number.