We don't have unpaid bills but the amount that came in is not adequate for the long term.

(Past 2-3, not just current.).Do these seem adequate to you all?

I guess Keith's argument might boil down to the mantra: minimize equity and manage risk through adequate reserves/insurance.

I am guessing here but I think that fact is at least in part attributable to lost income from lost work or lost work due to inability to find adequate childcare and therefore these families need to stay home, lost income from illness related to COVID.

There are so many issues but adequate off-street Parking is one of the biggest problems we have found.

I have seen your posts and believe you have adequate reserves such that leverage does not significantly increase the risk (this is not true of everyone).  

If there's even a hint that you're not adequately keeping your personal and rental activities separate, having an LLC isn't going to offer much, if any, protection should you find yourself subject to a lawsuit.

As long as I invest smart with careful due diligence, do not anxiously overpay to get into a deal, focus on cash-flow, do not over-leverage, keep adequate reserves, and overall follow my rules, then I will be okay. 

And if the number's don't work, move on (as per @Paul Bowers . 2) Residential financing with adequate insurance. 

And make sure you have adequate reserves.That said, a lot of people got burned in the last crash by too aggressively pursuing deals like that - Personally, I sleep a lot better at night with a 25% equity cushion...