Did Citizens send a letter to this effect? 

Do you have any additional insight on continued self manage from OOS vs PM?

Quote from @Havital Miltz: Normally you would set the LLC in the state where the property is.You have no tax benefits for setting up an LLC, it is more a protection from lawsuits and going after your personal assets, however not a guarantee....As a husband and wife you do not need to set up a partnership - IRS has special considerations for married couples for self employment, you could also apply that for a rental...Hope that helpsA joint venture is available to any 2 people co-owning real estate for investment purpose as tenant in common  under Proc. 2002-22 (unrelated to marriage) but it can't be owned in an LLC together. 

If you self manage, you save that money, but you are basically taking on a side hustle.  

.✅ Looking at property management options—self-management can save costs but requires effort.4.

Quote from @Shaun Ortiz: One thing that keeps coming up is how some investors start with BRRRR but eventually shift to other asset classes—self-storage, mobile home parks, even commercial spaces.

There's no sense of self awareness.

Than learn with that safety net until your ready to take things back over to self-manage again. 

The president has zero impact on underwriting guidelines and  zero direct control of interest rates. in fact the fed has no direct control of long term rates that effect mortgage rates.

How effective is it to negotiate the insurance amount with the existing insurance provider?