I am not arguing your philosophy, you do not need to defend it I have simply pointed out why investors can not give you advice that would not be contrary to your approach.1) pay off last $232k which would basically be at a 10% rate bc it would take my $3500/mo rent and turn it into $2200/mo cash flowYou do not place any value on cash therefor can not view it from a investors perspective.

The LLC does not include a duty to defend you if you get sued. 

The umbrella will protect your equity in the property and (assuming it's a good policy) pay to defend you as well, which an LLC won't.

Instead, the landlord can treat the judgment for back rent just like any other judgment in any civil suit: If the defendant-tenant doesn’t pay it, the plaintiff-landlord can go after assets, such as bank accounts and wages.

once a complaint is lodged ( in writing ) they will then contact the company and the company will have to defend their business practice.. if its legal nothing will happen if its a problem they will have to deal with it.However based on BP feedback.. its apparent that while they fund some .. most do not get funding and end up blowing 3k .. because as you state the deals simply are never good enough..

They will provide a Special Warranty Deed opposed to a Warrant Deed meaning they will not defend title against claims made to title prior to their administration of the asset.  

But the title co's who have to defend forgery took a huge hit.. it was over 10 million in this case.

For legal questions, I prefer to ask a litigating attorney because they will defend me in a court of law.

Yeah, I knew about that before the fact directly from the defendant.

The attorneys fees spent defending a claim you eventually win would even be an expensive lesson.