If your insurance coverage isn't enough, they could seize the LLC assets but not your personal assets.Additional thoughts:1.

I don't understand if I count since I'm living in the property or if it's only the tenants that count towards the limit of individuals that are unrelated living together.

But I can’t stand the humidity.

Do it very intentionally, not just for the sake of scaling up, but to get better quality or easier to manage properties that will replace lower quality or harder properties. 

They were perfectly acceptable 20 years ago, but now many areas are limited to one guest per calendar month. 

I think you can go as high as 15% but it's cutting into your margins and depends if you are a GC yourself or not. 150k is close to a million or more.

A reserve is unnecessary, but I still keep around $15,000 - $20,000 in my account.The point is, that you should sit down and assess your finances to determine what the worst-case scenario may look like, how much you would need to cover it without impacting your life, and whether you will need to build a reserve.

You don't have to do anything with the money and there's no time limits or anything.2.

The downpayment is good but the interest is to low.

You have to put more money down and pay a higher interest rate and is limited to only 2% IPC.