Who do you use for individual SFH policies or commercial policy that could write a portfolio policy? 

Right now we have it where the agreements shows she's the landlord of her property and I'm the landlord of mine but wondering if there was a way to make it under one individual as the landlord?

I am seeking some advice on the padsplit market here in Atlanta area.

Readers are advised to seek professional advice.

Readers are advised to seek professional advice.

Since each of your LLCs owns 50% of the holding company, but the holding company doesn’t own your individual LLCs, the IRS will likely treat your LLCs as separate, single-member LLCs for tax purposes.

This depends on the market you are seeking, but in Tampa where I am you cannot get a decent STR property under $400k or so. 

I wonder if it was because it was under an individual and not a business.

I’m here to learn, grow, and connect with like-minded individuals who can help guide me along the way.I’ve been fortunate to build great networks so far, but I know there’s so much more to discover in the beautiful world of real estate.

You're off to a great start by posting here but seek advice.