Personally I think it depends on your involvement in the flip.

You said it cost more to transfer from personal to LLC after the sale. 

With the properties in Cincinnati, did you visit in person? 

There has been some conversations about saunas in the forums and this just came across my screen.https://www.costco.com/almost-heaven-sutton-2-person-indoor-...Not sure if it is a good deal or if it is a solid unit, but it is pretty reasonable.

For me personally I like mid-sized/regional bank as you are not just a number like with a national bank, but they still have some of the bells and whistles like good online tools that small banks lack.

Hello in 2021 my partner and I bought an apartment in FL.The main purpose of the apartment was to invest our money to have it saved for our son to go to college.We have been renting this apartment to a family member who has been paying less than what we pay for mortgage and HOA,so we have been taking money out of pocket to cover expenses and so on.I decided that even thou the purpose of buying it was for college,I’ve had enough taking money out of my pocket to pay the HOA and expenses.My question is if I should sell this apartment or if it would be worthy in the long run to keep it and meanwhile just keep paying the HOA and expenses.Renting it to another person is not an option.

It mainly depends on your personal risk tolerance. 

I personally use Navy Federal and they aren't small, I would actually recommend just about any credit union.

Don’t approach the sales agent or person.

3,6,9 months….it all depends on your personal comfort and if you want the risk of running low of cash and risk of loosing/damaging your property.