The answer is personal and depends on your risk tolerance, goals, job stability, income, reserves, savings rate, overall financial picture, liquidity, etc.

The second pillar is a good insurance policy as that cover the majority of your exposure.

Depends on your risk tolerance (leveraging can be more risky).Private money would also be a good approach.

I am a new sales agent with zero experience.

It's NJ...I would start by checking out the local assessment policy.

I don't know what your policy allows. 

You can still app, get full underwritten loan approval,  clear all your loan conditions, do your appraisal, then order loan docs after you've transferred your title back to your personal name.Your settlement agent/escrow/title will most likely ask you for your LLC operating agreement to document the chain of title and that you owned your LLC prior to transferring it to your name to issue the title commitment/policy for your refi.Hope that helps.  

Same goes for buying a large insurance policy with a ridiculous premium.

Instead he has an umbrella insurance policy over all of them.

Hi everyone, any recommendations for an insurance broker in CT who provides policies for fix and flip properties?