You need to factor the cost of refinance (average $7K which may change depending upon the price of your home)

It costs $300 a year in MD to maintain an LLC. 

I understand I have to find the right loan and do the math, but is there really any other downside to the FHA and that additional insurance cost? 

Which one of the paid lead generation sites are you finding most effective for getting lead lists and which mail houses are the most cost effective? 

It is only fair that you pay them something in a situation like this and you need to consider what this is costing them not only in hard costs but in the inconvenience and lost opportunity.

While mortgage rates are a non-issue for you, the challenges of rising insurance costs and market fluctuations might deter other buyers, potentially lowering competition and prices.

Seeking stable, long-term housing can lead to longer tenancies and lower turnover costs, which is what many Section 8 renters are after.There are, however, disadvantages to take into account.

Well besides the hard costs (construction, materials) and soft costs (permitting, architecture, fees, engineering) people often forget holding costs. 

The $$ I will save on the closing costs can offset the slight negative cash flow that I may encounter. 

It's important to understand if this can be corrected or if you are putting off the decision to lose the liability which only costs you more time and money.