However, to me it sounds like you are over simplifying this.

In an attempt to simplify explaining the process, so it can be understood, I am leaving out details that I cover in other posts and in training.

I'm trying to simplify this but it's hardly simple.

The question is probably over simplified but a good starting point for feedback. 

Was that to simplify the category of properties or did each group hit 1M equity to be put in LLC?  

Selling brings a substantial gain of around $200,000 after selling costs, freeing up cash flow and simplifying life without landlord responsibilities.

I would also like to not have to spend a million bucks on a primary residence there, everything here is expensive and I question why I don't cash out and move elsewhere, simplify my life, quit my W2 job, etc. 

This principle does not exist in the 1-4 world.Here is how that works (simplified):1.)

I'm simplifying but by no means do those riders enhance coverage - they prevent the contract from being voided and add premium to make up for the increased risk.You're an investor with multiple properties so adding this type of rider isn't really what your initial post was about at all, was it?

There's a New Hampshire Real Estate Investors Meetup tonight at 6pm in Manchester I believe, as well as a Simplified REI Meetup Tomorrow in Portsmouth NH at 6:30-8:30pm.