. - Offers competitive-rate/feature lines of credit and/or credit cards to Real Estate investment and management companies- Specializes in small (100K-2M) CRE financing that can: refinance, fund acquisition, umbrella, blanket, portfolio loans.I've done a couple searches and it looks like Wells Fargo and Capital One are the front runners.

I also learn that my personal umbrella won't cover my LLC plus getting insurance under LLC becomes another drama.I am a small time real estate investor and having a LLC just complicates my life.

We have umbrella coverage for our LLC and Prosper insurance for the bookings we own, and we suggest our clients get something similar to Prosper for their units. 

An umbrella coverage is almost dummy proof. 

My liability management consists of:1) Professional Property Management Company2) Standard Liability Insurance per Rental Property3) Umbrella Coverage4) Plus - My full time job presents no risk issues and neither do my other activities to speak ofI don't use any legal entities

You would want to be careful not to cross a line into providing services, so things like evictions or any work on the property should be hired out by the plan to an unrelated 3rd party.If your wife is assisting you with administrative management of plan properties, you would not want to run this under the umbrella of her business, licensing, insurance, etc.

Your 'umbrella LLC' becomes the manager of the other LLCs.

But if you really want stronger protection then include umbrella insurance and also LLC makes things difficult to refinance at a great rate because it would consider a commercial loan (higher APR) I'm not saying done ever get an LLC, once you build a great portfolio then LLC everything just not when you first start or have 2-3 properties.

You could also sell one or more properties and now the IRA holds cash, which you could choose to distribute or re-allocate to other types of investments under the umbrella of the IRA.If you wish to take a property out of the IRA, the property needs to be appraised and it can then be distributed to you in-kind.  

Here I am thinking; liability(I am sure I need an umbrella policy), should the rent be higher?