Even then if corporate veil was ever pierced, is there an insurance that can cover my personal assets?

Both of us also work full time for a large corporation and had to report income from our full time jobs as well. 

A little background: I have been investing here for more then ten years now, retired from corporate in 2016 and got licensed.

I created my llcs based on what the corporate direct people suggest but they dont do taxes and this is a big hurtle for me to jump  with too many llcs and cost not even included the cost of cpas yet.

Most targets right now are Dollar stores, Auto stores, banks, medical (Davita & Fresnuis), pharmacy, corporate national QSR,etc.What is out are gyms, mom and pop tenants QSR, small franchisees QSR, vape shops, mattress stores, vitamin stores, etc. 

Do you all walk away (based on your paperwork) or are you a corporate borrower who put 20%+ down and backed up your loan with a personal guarantee?

Corporate finance subsidiaries (e.g., Westinghouse Credit Corp., GMAC)37.

Being a Queen city native myself, Charlotte is and will keep on being a city that grows and creates jobs in various markets (corporate business, RE, banking, athletics, etc.) for at least another 10 years.

My understanding is an LLC can act as a corporation and file separately, which is what I want (I have a business partner and we want it this way)

LLC's are for asset protection and if you don't treat it as a business and have a separate bank account and start co-...mingling funds you are piercing the corporate veil and well. there goes the LLC protection.I would advise you to seek a consultation with a lawyer.