If it is attached to the privately owned property it could be covered very easily and in some cases the coverage would be included in a standard homeowners policy.  

But the reduced complexity of the single member set up and the improved liability coverage that is similar to 2 member LLC guided us this way, as well as others good insight.

IF, and should be only IF, the above does not work for you then you can do a debt service coverage ratio loan that will not do any of the above.

If your insurance coverage isn't enough, they could seize the LLC assets, but not your personal assets.Additional thoughts:1.

Your insurer gains a better understanding of your entire risk profile, which can result in more tailored coverage.

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A qualified professional appraiser will generate a comprehensive analysis considering factors such as sales comparisons, highest and best use, market conditions, and income generated following Uniform Standards of Professional Appraisal Practice guidelines.

However, to get a bank loan you would need to have a debt service coverage ratio of about 1.2 (i.e. your income after expenses is 1.2 times the cost of mortgage payments).

A few months later, we received a notice from the lender stating that we no longer had home insurance and needed to secure coverage within a certain number of days.As it turns out, our original home insurance was canceled because it required the property to be owner-occupied.

DSCR (Debt Service Coverage Ratio) loans are a popular option for investors because they come with several key benefits that set them apart from traditional loans.