Am I misunderstanding part of the process?

@Christian Scully I could be misunderstanding you, but it sounds like you're trying to find a way to have your cake (living outside of Providence) and eat it too (still have an Airbnb even after the new owner-occupied rules).I'm guessing that there are people who will try to do that, just like some people claim that they don't have a car or it's housed in a different city, but they actually live (and have a car in) Providence - to avoid the higher Providence car tax.Some people will probably find a way to get away with it, but some percentage might get caught.

Insurance also doesn’t protect you from misunderstandings, especially those made in writing and email.

This seems simple enough, move 1 property at a time to an LLC, but my misunderstanding is timing, should I do it all at once, my credit score will be taking a hammering since it's being checked so much.

Before  closing, we send a letter and hand-deliver to tenants to confirm the info from the owner's estoppel letter, and tell the tenants to contact us immediately if there are any questions or misunderstandings.  

And maybe that's my misunderstanding.   

My misunderstanding is the refinancing aspect, hence it is in quotations. 

Unless I'm completely misunderstanding what you're saying. 

I feel like I might be misunderstanding your question, if so, my apologies.

It is not your agent misunderstanding how to price it, unless you are talking about 5+, then get a commercial agent.