I have 3 properties in my personal name (to get best rates).

But also, you'd get a better rate just buying your home with a home owner loan. 

Looking at multi family in mt pleasant and I’m seeing all over online crime rate is very high but agents and PM’s saying the area isn’t bad.

If you open up the schedule and another guest books, then I agree with @Chris Seveney that a credit (assuming the new booking is at a discounted nightly rate) would be more than generous and also lets her know that you are a reasonable host if she does decide to book again in the future.It just feels odd that she would be contacting you the day of check-in to cancel due to the weather, when she could have communicated this days ago.

After 4 months they give you the opportunity to open a secured credit cardAnother is called "Kikoff": These guys will report a $500 Limit Credit Line for less than 5 bucks a month.These modern services are a great place to start, they will never report late payments, won't get you into debt and build your credit score every bit as much as credit cards.After you 3 - 5 of these open for 90 days THEN apply for credit cards, you will get much better approvals, higher limits, lower rates, more rewards etc...Mortgage lenders will also be looking at how long those accounts have been open.

That may make sense when rates are at 2.5% but it doesn't make sense at 7%.

In my state that would be an expensive change as I would be paying state transfer tax on the move along with other costs plus I would need to consider whether I wanted to buy title insurance on the property for the new LLC.

Hypothetically, if new tenants moves into property in August and transfer utilities in their name, would the true-up date change to August as well or would it continue to be May.

I can't make the numbers work with these rates and high prices.

:In accordance with the City of Chicago Building Code Title 14B:14B-6-601Table 601Type V-A construction:Floor Construction and Associated Structural members:The table notes a 1 hour fire resistance rating; however, in accordance with exception (g):"In single family dwellings, the floor construction over basements and unexcavated spacesbelow the first story above grade plane is not required to have a fire-resistance rating."