These include (but are not limited to);a. a drop dead date for her to refinance and take you off the mortgage (5 years, whatever);b. trigger events for her to refinance regardless of date (birth of child, remarriage, failure to maintain the house physically, cease using house as primary residence, failure to pay insurance or property taxes, no "subject to" sales and etc., etc).and no doubt a host of other things.Then there's your remedy if she fails to keep her end of the bargain, including who gets appreciation, right to possess or maintain, etc.Your credit score is far down the list of concerns

Just weigh your options with an experienced agent, and choose what's best for you.The only thing I might suggest before you pull the trigger on complete removal of windstorm coverage altogether, is to see if you can get quotes with 3% and 5% deductible options. 

Chicago winters can be harsh, so we're curious if anyone has had a good experience using a heat pump with an ancillary heat strip for those extremely cold days when the heat pump can't keep up.

So you would have to get a commercial loan if going straight to the LLC - which usually has worse terms (shorter rate lock period, shorter amortization schedule).USUALLY, you can borrow personally and then deed it to the LLC after the fact and as long as the LLC is owned by the borrower you won’t trigger a due on sales clause.  

The owner has a mortgage on it that is not assumable.Is there a way to purchase the LLC that holds the building/mortgage or will that still trigger a due on sale clause?

The IRS requires that the entity that completed the 1031 exchange (in this case, the LLC) remains the owner to avoid triggering capital gains taxes.One approach might be to hold the property in the LLC for a period (generally recommended at least a year) to demonstrate intent to hold it as an investment.

Talk about spam.Now that I typed the name of that state in, I probably triggered their keyword search.

Reading The Book On Rental Property Investing back in 2019, but never pulling the trigger because of analysis paralysis.

Something about the photo is triggering the rejection.I ended up pulling a photo from the MLS and cropping out the hideous towels they had hanging. . . . 

When I was a full-time wholesaler most of clients were able to pull the trigger within minutes of entering the home, some trusted me enough to buy sight unseen on my recommendation, and some always wanted to get a contractor in there or run the contract past their lawyer.