LLC or Trust

[Albert Ngo]

Hi everyone, I am looking to properly structure my portfolio in the least vulnerable way. Being plumber that does moonlighting on the side for contractors/homeowners, closely managing rehabs on my BRRR's, and working a full time plumbing job (grabbing overtime when available) this leaves me open to a lot of different liabilities.

My portfolio is I currently have 4 properties (2 - triplexes and 2 - singles). One of the single family is my primary already deeded in a revocable trust and the other I own with my sister free and clear (joint owners). One of the triplex is deeded in a revocable trust and the other just in my personal name. 

My CPA (also owns 2 duplex's) advise that I do not open up LLC's just yet as it would only overcomplicate my portfolio. Given the brief description on my portfolio above being worth over $3,000,000 my fear is for example: Doing a side job for someone and something worst case like a water or drain line leaks and destroys somebody's home and they put me liable. I want to structure my portfolio so I can continue to do side jobs without worrying some homeowner will sue me for my assets.

My goal is to buy and hold long time more small multi families and eventually open up a property management company which would manage all my rental homes. What advise would you have on structuring this portfolio? Would a trust owning LLC which owns each individual property make sense? Would just a simple trust be good enough? As I already have a trust structured in my triplex should I open an EIN number for this to open a separate credit card / bank account ? I just finished a BRRR and wish I had a separate credit card/bank account as this would have been MUCH EASIER than saving 100k worth of receipts.