Overkill. 

In my opinion, the rehab was a bit overkill (and took way too long) but now have learned and will make sure to cut costs where ever possible on our next project to protect our bottom line.

Seems a bit overkill, but that's not really a problem. 

I would assume a sole member LLCs with the same owner would not need one, but that is something to ask a local real estate attorney.Again, the structure I outlined, in my opinion, is overkill if you are talking a handful of single families. 

While using QuickBooks Desktop Pro when you only have a unit or two might be an overkill, it's only costing you $5/month (if you buy every 3 years,) and if you are planning to grow in the future, knowing how to use it will help you down the line.

@Guy YoesYour structure could be an overkill, but it's not my department. 

@David NewAn "eQRP" as the firm you mention wants to market their plan is overkill for an investor with nominal self-employment income and no employees.It also has the same inability to receive an inbound rollover of funds from an existing Roth IRA.

I'm no where near an expert and I would let someone else who knows more than me explain benefits but it just seems like overkill to do both and negating both options pros and being stuck with the cons of both (high cost on the refi and the variable rate on the heloc) 

So even if you get a quote from the same agent the seller has, your "rate" per $100 will most likely be higher.2)  If you will be getting a commercial loan, the lender insurance requirements may be greater than what the seller is currently carrying.  3)  Their policy may be too risky for you or over kill. 

If that's not you then I would suggest that overkilling the presentation on a used product, you may be actually trying to pull a "slight of photo" move to draw attention away from something undesirable.