This is how insurance works, imagine if an insurance carrier only had 10 people in it, 1 needs a surgery, POW that's a BIG hit.

With insurance rates going up, best to find areas with the lowest operating cost.

Cash flow has been hampered by an increase in cost of ownership recently, specifically insurance. 

There are some concerns around taxes and insurance to be mindful of, but the job market in major Texas cities is unreal.

If you are trying to get a cash out refi, I would think the bank would want to see the correct type of insurance for the business you are running.

The main thing that pops out at me every month is that less than half of my payment goes to paying the principle down, over half goes to the interest, taxes, and insurance, ect. 

[1]    You might want to think about opening 2 FDIC insured savings accounts that have no fees.

Quote from @Sophanara Khoeun: Quote from @Krystyna Schexnayder: For me personally, as a property manager and business owner, I truly believe this is not only about real estate, its a business of building relationships, and I think just being aligned with the basic principle that what we put out is what we get back, so I would be remissed not to oblige a new investors inquires. 

Another pro for a HELOC is not having to meet a HML's requirements for a loan (insurance, draw schedules etc....)

If your insurance coverage isn't enough, they could seize the LLC assets, but not your personal assets.Additional thoughts:1.