Would love to stay connected - see if we can work together in one way or another.

I am staying steadfast on my response and not backing down (I spent 25 years as a GC/developer fighting with contractors) and have seen this thousands of times. 

Also, having to interrupt stays to replace later doesn't make sense. 

Just because someone is new to BP doesn't mean they don't have experience, but using their profile as a guide may give you more information.

I'd recommend finding an insurance broker and stay away from agents.

If either of them were to stay involved, it could cost you money and you would collect less.Send it to collections yourself.

The property age, location, interest rate, etc. will influence whether one cashflows at 2%. 1%, or 0.6%. the rules as someone already pointed out is just a guide.

There really isn't enough information here for someone to give you a proper answer.What you need to do is calculate those tax savings over the next 5-7 years (or however long you plan to stay in the house) vs. what the interest rate reduction will save you over that time period.

If it's your first LLC, though, it might be wise to work with an attorney to guide you through the setup process and some basic steps to take afterward.

Most tenants stay for 2 years bringing our vacancy rate to 1.9%)