I've also been having a really hard time connecting with investors, commercial lenders, realtors, etc. from the area.

My husband has been a project manager for major commercial construction (hospitals and medical office complexes), so he knows how to run construction projects.

Citizen you don't get 5 million  U.S. dollar tax exemption and it doesn't seem likely possible  to have an workaround for this (e.g. living trust)My dad, who is age 65, doesn't speak English ,invested about 7 million U.S dollar worth of property  in commercial and residential property(houses, stores, offices) , from his personal fund a few years ago, investment are doing fine  ,however,   recently  I discover that there  is no way for him to leave his asset to me after he passed away without an heavy tax because he is Chinese national, I asked with my dad's   accountant ,property manager, and Everwill , they have no clue how to solve this problem and Everwill told me the living trust will not able to help on estate tax if he is not a U.S. 

Citizen you don't get 5 million  U.S. dollar tax exemption and it doesn't seem likely possible  to have an workaround for this (e.g. living trust)My dad, who is age 65, doesn't speak English ,invested about 7 million U.S dollar worth of property  in commercial and residential property(houses, stores, offices) , from his personal fund a few years ago, investment are doing fine  ,however,   recently  I discover that there  is no way for him to leave his asset to me after he passed away without an heavy tax because he is Chinese national, I asked with my dad's   accountant ,property manager, and Everwill , they have no clue how to solve this problem and Everwill told me the living trust will not able to help on estate tax if he is not a U.S. 

The last 120k, isn't anything tangible until you access it. 

I have done this with a commercial building.

Once the rentals are free and clear then 1031 them into passive cash flowing 1031 compliant properties - either properties you buy with good management in place, or full or fractional NNN properties with strong commercial leases in place guaranteed by national tenants. 

I'm sitting on $1.2m in equity and cannot get access, though my business is doing well. 

In order to do that without having access to huge sums of cash I had to use some more creative methods.

By placing Rental B into LLC BEFORE taking a mortgage out (or equity line out), am I likely making it harder, easier, or same to get this property financed (traditional commercial against residential property) ??