Screen tenants properly or pay a good PM to do it for you3.

They should be doing a load calculation, taking into account insulation and window type if I'm recalling how it works properly. 

What type of system did y'all have installed?  

the reality is you have negative cash flow when properly estimating the expenses on the 3 rentals (no way 3 rentals have $1300/month maintenance/cap ex, pm, vacancy, and misc total (basically $433 per property).  

I also reached out to Proper Insurance, but they informed me that they can't offer their standard policy due to the elevated fire risk at my property.

underwrite the loans properly

Better quality product, better installation, and making relationships is invaluable if you plan to scale.

You can't do proper ARV without MLS access.

We're worried the LVP flooring we want to install on top will be wavy and that the floor isn't level enough.

and only after you covered properly the "other" aspects of risk management (insurance, umbrella insurance, proper property management, etc.).Unless you are doing flipping (or AirBnb), in which case I suggest you look into Series-LLC and you operate each flip in its own child-series (if not clear why, ask for more details).Anyway, a lot of this is covered in my notes, and that should save you hours of research and hopefully clear some confusion as to why you want it and when and how.