I would imagine in this scenario it would be very easy to "pierce the corporate veil". 

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This minimizes the likelihood of an attorney piercing the corporate veil.

The LLC is an added layer of protection but can be pierced.

The umbrella can help if the veil is pierced, but it also protects your LLC assets from suits arising from you personally.

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More recently, when people have tried to hide behind charging order protections in single member LLCs, and then simply refuse to make distributions so that the creditor never gets paid, courts have seen that for what it is, a sham, and have refused to allow those protections to extend for obvious reasons.The whole reason charging order limitations don't apply in the context of a single member LLC, is because there are no partners to protect, so the protection is unnecessary.I'm not licensed in Florida, but I have brought many types of actions against various types of entities, and anytime there is an entity structure in place that would serve no purpose but to prevent a creditor from getting what's due to them, the veil can, and likely will, be pierced and a competent attorney will not only work their way up the ownership chain through various entities, but they'll eventually come after your personal assets too.

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This means that you will probably need to pay registration and filing fees in at least 2 states if you don’t buy CA property as a CA resident.Any lawsuits should be limited to the assets of the LLC and not your personal assets (assuming you run the LLC appropriately and the corporate veil is not pierced, some debate as to SMLLC).

The function of loaning personal money to an LLC and paying it back is primarily an accounting function, the tracking of the money is how they determine if you pierced the corporate veil.