Also, sometimes you hire uninsured people, e.g. a cleaning crew at the end, so having the insurance is rather justified at that point.For better or worse, if you can pay everybody with a credit card, you don't need to file 1099's..

As soon as I create the LLC, I go to the bank and open a checking account, savings account and apply for a credit card in the name of the LLC.

No seasoning.Key Bank, FLorida flexible lender, HELOCs on second homes and rental properties. 90% LTV on primary.PenFed - max 3 other properties, 89% LTVRegions- yes HELOC but no LOCSCCU Florida 70% LTV, 6.25% interest only, not LLCSound CU "non-owner occupied HELOC, capped at $150K and interest rates are prime + 2%, 3% or 4%, based on credit, not to exceed 70% ltv.”TD BankTIAA Direct was EverBankTower FCU, all states except TX, max 45 DTI, green card ok.

Please know that many investors use this approach, so homeowners get mailer and post card fatigue from all the spam mail.   

My credit score is 550.. no bankruptcy, no foreclosure, just a bunch of credit cards.

We moved into our studio ADU and rented out the main house, worked our tails off to pay off credit card debt, refinanced and now live in the main house and rent out the ADU where the tenant is paying more than the interest on our loan.

- usually by card.

Sometimes we have to play the hand of cards the market deals us and play the best hand we can.

You'll always be safer with that, a written contract, and paying via debt/credit card assuming their licensed & insured.Where in Houston are you looking?

Manny Moreno Aloha Manny,  I heard a lot of good things about AM Cards.