Honestly, it sounds like your current PM team has had issues from the start because onboarding four single-family properties should be a smooth and stress-free process when done correctly.A well-organized property management company should have a clear and efficient onboarding process that doesn’t leave you feeling overwhelmed.

I doubt if you'll have any issue with your hold period since it is all about your intent anyway.

Our rep at Lendbase never called to apologize or ask if a prepayment penalty was an issue for us.

Most STR markets have seasonality, and there are untold issues in the future that will effect cashflow. 

Compliance states there is no way to remediate this unless a new file is created. lender credit is 6900 which is the seller concession and no COC can be issued for “incorrect” lender credits.

What issues would there be if I put MY NC house in the LLC that has his name and my name on it?

There's a good chance the issue(s) you face has already been discussed and answered.Ask questions in the appropriate forum.

Also know that building a home seldom goes as expected - I have relatives that just built a nicer house… they thought it would take 9 months… it literally took 18-24 months between delays in permitting and the builder just not being able to get it done in a timely manner - often due to sub-contractor issues.  

Since you’re considering converting the upper unit into a short-term rental, you may also want to implement strict rules around smoking or strong odors in your house rules to avoid future issues.

.**** My current issue with the lender that I recently spoke with was that I had to have experience building a SFR on my own property and have sold or refinanced and held in order to be approved for the loan.