An Attorney will help with creating an LLC.LLC is not required, may make getting financing more difficult.It may provide some asset protection.Most of the asset protection that you need will come from the insurance policy.Discuss with the insurance agent on situations that you are not protected.Have a discussion with an attorney if your extra concerns can be protected through an LLC.

It is not necessary to provide one but it was easy for us as we had an extra.

And if they are looking for a one bedroom or two bedroom, they will be pleasantly surprised at the extra room. 

Cincinnati, Ohio does not have any extra rent taxes.  

I now see competitor listings at 60+ DOM, so their extra month vacancy already exceeds losses from lower rent…. and they’ll likely settle with a worse tenant.

We went from a 2 bedroom 1 bath home on a little under a half an acre to a 4 bed 3 bath home and an extra building the prior owners called the "pottery barn" that sits on 2.5 acres in town.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

Brand new to BP other than listening to many podcasts.Self-employed and have been using most extra income to reinvest in my business to grow it.

For the record, I get $1600/month for the property.If your market rents are lower than the actual rents, underwriting will use 110% of the market rent values to give you some "extra credit" for your DSCR. $1430 isn't $1600, but it's better than $1300. 

Why not pull out the capital you have tied up to have a larger down payment (or even spread it over multiple properties) and maybe even keep some extra money in the bank for reserves and renovations?