It seems the most likely issue is simply having your personal names as the deed holder listed in a complaint although again, based on what you shared about your sound operations your insurance should cover any claims that would arise since you wouldn’t be triggering any coverage exclusions.

have you thought about changing and are waiting to pull the trigger? 

I got a letter from my mortgage company that said I can move the title into an LLC if I like without triggering the due at sale clause. 

This is because loss of rents/income is almost always triggered by a "covered" peril (aka covered cause of loss). 

By "positioned" I mean - ready to pull the trigger when the right deal comes along.  

Depending on which brokerage you use, you could possibly borrower against your securities holdings with a line of credit (similar to a margin loan) if it's not a retirement account. 30-35% of the balance would likely be within reach, but make sure you FULLY understand margin calls and when they would trigger.

If they indicate they will leave a positive review, the survey will direct them to the proper OTA to leave that positive review.If they indicate they will leave less than a 5-star review, trigger an email to the host/assistant for immediate follow-up.

But I can still use an FHA loan and then transfer the property for $1 to obtain maximum protections of an LLC with maximum leverage.They are told this can trigger due on sale clause and will still will be paying transfer taxes based on the properties assessed value + deed prep, recording and misc. title expenses.

Particularly when it comes to residential properties, most lenders would rather lend to people than LLCs.Transfer of Property: Your mortgage's due-on-sale clause may be triggered if you subsequently decide to transfer a property that you now own in your name to an LLC.

However, it's important to note that using leverage in an IRA can trigger Unrelated Business Income Tax (UBIT), and there are strict IRS rules to follow to avoid prohibited transactions.