The plan is to refinance the other properties once the rates fall again, and transfer the deeds to the LLC, but right now, that is not an option. 

There are always closing fees on both sides and maybe a transfer tax.

If I transfer my rentals to my LLC, do I need to change the ownership name listed for the Insurance, rent payments, and what do I do if the bank ask for the note to be paid?

Current taxable is only $49k but will go up with transfer.

Out of the 2 REO's I have flipped, both bank contract addendum's stated that I cannot transfer directly to an end buyer..has anyone seen this, or did I misunderstand the wording.

Look at Henry County Ga deed records, sesarching for Foreclosure transfers that are not financial institution buyers.

We also got started in renting out our home when we were transferred and the bug bit us.

After several transfers,  long hold times and having to explain why I dont have an account number a dozen times, they took my name and number down for the service tech to call me back: just want to be armed with info and other people's experiences. 

You have to be very careful with this one as they are probably on the lookout for a transfer.

We currently have three properties that we plan on transferring to our LLC.The problem is, we just filed for our LLC here in Ohio with an effective date of 1-1-2015.Does that mean I have to wait till the 1st to transfer our properties to the LLC, or can we transfer the properties as soon as the LLC is processed?