Contents (Personal Property): most homeowners policies give a set % of the Buildinglimit for Contents.

For comparison, a Navy Federal FCU personal loan will be in the 15s%

I will make that proposal to the person I am talking and see where it goes.

The lot is paid off and deeded to our LLC, but lender will not do conventional loan to LLC for the remaining financing so we'd need to take out a loan in our personal names. 

@Jason Lopez You don’t need an LLC to rent out a house in San Antonio, TX, but it can provide liability protection by separating your personal assets from your rental property.

I've done this with my properties because I'm well known in my small town and don't want people to know what I own.LEGAL PROTECTION: By placing your assets in an LLC, you are legally separating them from your personal assets.

It separates your personal assets from your business, providing a safeguard if any legal issues arise related to tenants or the property.

Look into a DSCR, Debt Service Coverage Ratio, loan where the rental income can be used to qualify the cash out refinance instead of your personal income.To Your Success! 

She is not in a position to lend a personal loan to me. 

My recommendation would be to engage an investment property focused realtor (not a general residential realtor) and let that person guide you through the process from pre-qualification to market/property valuation and selection.