@Nathan Frost uhm, not sure you understand Detroit market.Motion lights & cameras may work half the time at best.Too many insurance claims will get you cancelled and eventually black-balled.But, what do we know after 24 years in the Detroit market...

Many of these "gurus" claim you buy Class D properties and through the "miracle" of S8 rents - make them cashflow.Rarely happens!

I have, however, gotten other tenant types form Zillow - mostly insurance relocation claims

Quote from @Dennis Knapp: they got ahold of me on fb through one of my groups and claim to be a direct lender. they seem to good to be true.

Since you mentioned a construction site injury in your initial post, the best way to proactively avoid premises liability claims is by keeping a clean worksite.

You could just have her file a Quit claim deed and leave it in your name only instead of an LLC.

In one deal referenced the poster highlights a major potential conflict of interest as Capella supposedly used an appraisal generated by the borrowers without disclosing this to investors, who later invested $3.9M to finish a luxury home Capella claimed was 80% complete.

You need to rewrite the entire policy.If it was insured as a rental under your personal name, then transferred to an LLC, the insurance carrier would pay covered claims.*** Please note, the claim check would be made out to the Named Insured (your personal name), not the LLC.  

It might help you avoid penalties if the IRS goes after you later.You can claim the labor expenses even without 1099s, but you will technically be in non-compliance.

Where people went cheap with online brokers, many of those companies just did not have the resources or expertise is seemed in many instances to handle claims.