Its just a credit builder secured loan.I have a car note that is current.I have unpaid rent and fees from 2012 of about $2k.I am making payments on the last two years of taxes.

Agree you don't need to open a commercial account to do this, just open a regular checking account and credit card, and only use them for the property.

My husband lost his job and I didnt want to get behind on the rent so I moved.. keep the security deposit..

If there weren’t a loan involved, transferring property from an individual to an LLC is fairly easy and is something that is done somewhat regularly for estate planning.

How do you come up with an interest rate, in my research I found that the interest rate is normally higher than regular 30 year fixed rates but is there a general rule of thumb on how you come up with this?

Since it's a grandma special, I secured a conventional loan for the home for just the purchase price. 

We do so by utilizing all possible forms of technology (email, video conferencing, secure document sharing, cloud based accounting and tax software, etc).

You don’t want the hassle of securing that type of information online.

I send one by Certified Mail - Return Receipt Requested, a Second Notice by Regular (Snail) Mail, and send a Third Notice by Email if I have their email address.

But if you can be conscious of the fact that it's an also an advantage, maybe you can employ it intentionally and it will help with how you feel about it.I worked in an industry where I had to field interest from men less than regularly but more than just on occasion.