They want to know that who they’re talking to isn’t some scammer or someone that they should avoid, and a phone call can help work through some of these defenses.

I get nervous when sellers get angry and defensive when they are being contacted out of the blue.

So this may be a little bit defensive, I apologize. 

They must think everyone else is nocturnal like they are.In their defense I think that they think they are calling a business after hours and will get a recording that they can leave a message on.

The limitation is that in order for liability coverage to be triggered or potentially even defense from your insurance company, BOTH your personal name and LLC would need to be named in a lawsuit. 

The contractors, in their defense, have to eat too. 

On another note, if you are worried about asset protection and have other personal assets or a decent amount of equity in the 4 unit, the LLC strategy is only one line of defense.

Because my current job has been very tentative (defense contracting in a large corporation on an niche system) my motivation has been to convert 401K funds to higher performing results that provide CASH FLOW to cover our monthly living expenses (mortgage, etc in California).

In a few months there will be a clearer picture about how governments expect to balance their budgets and who is going to pay for all the subsidies, checks, and money printed by central banks to try to weather the COVID storm.My personal feeling, based on what happened in 2008 - 2013 is that real estate prices are going to drop.When people start experiencing financial strain they will cut down spending and take a defensive stance, and that's going to kill the economy.

The items he addressed existed during the last balanced budget under Clinton when Biden was in Congress.As far as issuing debt goes, I'd look at the two largest contributors to debt - Medicare and Social Security trailed in the distance by Defense.