The complete negligence took my $20k/month passive income reduced to a $4k/month slumlord.

The cost is negligible but the savings over the years are massive.Sprinkler Challenge (Timing)Understanding Zoning & TimelineDemo Challenge in Boston.

The cost is negligible but the savings over the years are massive.Sprinkler Challenge (Timing)Understanding Zoning & TimelineDemo Challenge in Boston.

The cost is negligible but the savings over the years are massive.Sprinkler Challenge (Timing)Understanding Zoning & TimelineDemo Challenge in Boston.

I have many clients using the 'dscr/cash flow' loans, and for the ease of use, convenience, and other factors, the cost difference vs a Fannie loan is usually negligible in the long run. 

In theory you are better protected with the LLC, I'm speculating but if you screw up really bad and somebody dies on your property due to your negligence the LLC or individual ownership is not going to matter, you're going to be in a world of hurt either way.

They are good at covering small claims, but if a true negligent or 'fraudulent' accident happened, they will challenge the claim and then yo will be stuck defending yourself in a lawsuit while at the same time sing your insurance provider.

Could this be a case of HOA negligence?

However, insurance is limited because it only protects you from one type of liability: accidents/negligence.

In the short term, the lower rate with make a negligible difference in your bottom line, but access to less cash could prove to be a problem.