I currently use Wells Fargo and it’s a pain in the butt to keep going there in person and setting up a security deposit account.

I personally use Quickbooks online and have a virtual (remote/nonlocal) bookkeeper.

I think they meet in person, but not sure it may be on zoom - they are not members of MAREI, so I don't have all the info - they do post their meeting on Meetup.And there are a lot of virtual meetings, plus MAREI events on our calendar. 

The person calling you is on a money grab. you do not need a wyoming trust. 

Personally I am thinking 1c.

I need some real life advice, I want to house hack but I want to build a duplex.

The loan was personally guaranteed by you, not a corporation.

I would be very interested in the person’s contact information that does Pad split in this geographical area. :)

Just keep in mind that there are further steps you'll want to keep to minimize the possibility that your entity is ignored for this kind of personal liability (say, if you were the person who didn't properly clear snow, or if your finances and the LLC's are comingled).And I agree with @Chris Seveney, insurance may provide adequate protection based on what's available to you.

Be candid and do it in person.