I get threatened with a lawsuit multiple times per year.  

However, transferring a mortgaged property to an LLC could trigger a due-on-sale clause, so consult your lender before doing so.While an LLC does not save taxes, it can make audits more straightforward and help present your rental as a business and you can combine all the hours from multiple STRS into one to meet the MP requirements.

Quote from @Aaron Letzeiser: Quote from @Mohit Gupta: @Steven Toth I was actually able to find multiple carriers who would insure for a slightly higher premium, which I am happy to pay.

When you go to sell, Montvale requires a certificate of occupancy so this issue has to be resolved in advance of a sale.Although I am not a lender, I assume you will not be approved for an owner-occupied mortgage on 5-units if it is a legal 4-unit without some type of mortgage fraud whether in reported rents, units, or another legal document or representation (very very large issue from a legal perspective with multiple arrests in the last year for anyone playing fast and loose).As far as the DCA, I would recommend coordinating your work with the city with the DCA.

Some areas of the west coast are allowing multiple units to be built out on a single parcel and in these higher COL areas, it's a boon for the homeowners, renters, builders and even for the local governments that are collecting the building fees.

(I've contacted you via email multiple times and I have not received a reply as of yet either.)Here is the pro forma given to me when looking at investing:There are several problems with this. 

One system one login, multiple providers using the same platform.

Hey Jason and Rene, I have rezoned multiple properties in Denver and the surrounding cities.

I’ve sacrificed a lot of time with my family, my overall physical fitness has diminished as I no longer work out 6 days a week, and my social life is pretty much nonexistent.So, trust me, I’ve had multiple times that I’ve asked, “why am I doing this?”

To achieve financial freedom, you'll need to scale to a portfolio large enough to spread risks across multiple properties while also generating enough surplus cash flow to cover both personal and property-related expenses.Many experienced investors achieve this by:-Strategically acquiring properties in high-cash-flow markets.