Given that it's much faster, easier, and cheaper to foreclose here in Georgia than in New York, I can somewhat appreciate her attorney's concern.I see two ways to minimize her exposure:Shorten the Finance Term - If you're really doing a quick renovation, 12 months is serious overkill.

Overkill and would end up being just a lot of necessary numbers. 

It's expensive (especially in CA) and may be overkill then just a simple umbrella insurance policy per home.  

If these seem like overkill, just wait until your saddled with a $150 registration renewal you weren't aware of, and see what those types of things do to your cash flow.

It seemed a little overkill to sign a new lease at this point.

There are also people that actually run a business as registered agents and will receive and forward mail to you.It may seem like overkill especially when you are starting out but if you are successful and have several million in net worth you need to do what you can to protect yourself.

I would accept that if that tenant paid for 16 years without a turn over.. that's a nice run.. turn over kills landlords.. 

@davefoster i understand that splitting can be done but wouldnt that be overkill in this scenario ?

Does anyone really get into law sue or this kind of LLC setup is overkilled?

My concerns are as follows:1) Insurance claim will take a bunch of time and they will deny it since they do not know the origin, when it occurred, etc. 2) In their review process, they will determine an 'overkill' level of damage that I will need to repair, and then deny the claim anyways for whatever reason.