Problem is, the first bank I've talked to said that I am going to get killed in fees, closing costs and interest, as it would be treated as 3 separate very small mortgages. 

Consider putting in a separate electrical meter, a separate water meter, and separate gas meter.

But managing 4 separate leases, needs, personalities, life circumstances, turnover rates, etc, will be a lot more work than renting out the whole house. 

Would aslo  need to have the debts separately from personal liability so it does not interfere with future personal financing.  

But then again, I've heard that as long as you keep everything up to par with the llc's basics  (separate bank acct, current llc status w state,  properly funded,  no co-mingling, etc) it holds up in court even if single member.     

You do not need a separate LLC for each property or a series LLC!

-Sugest getting/using GoogleVoice number as you can track/respond on a computer and it separates personal call from business.2) What Rental Application will you use?

An LLC is used to hold business assets.A house-hack is a partial personal property / business property.You also have to separate business and personal assets within an LLC.So the question is would you be getting the protection that you are looking for by putting an asset that is partially personal within an LLC.You might also be losing your homestead exemption.Best of luck.

But on many of these tools, you should be able to search by real estate as a specialty.Happy to touch base separately if I can answer any followup questions.

I think that if they’ve invested, either monetarily or emotionally in a particular “money making” system, then they can’t handle any negative information about the “system”, methodology and or strategy that they’ve emotionally and or monetarily invested in.