Keep an eye out for any neighborhood groups with lots of power, they can be ...... interesting.Once a grading plan is available, and you know where utilities are, you will be able to start working on zeroing in on costs.I would call a few local builders, and see what price point padded lots would interest them at.

(Too many calls to field at 1900 price point.)We have signed a tenant at $2500.00 for 1 year and they are happy with zero complaints.

This will cause me to need a commercial insurance policy. 

So far I am at zero haha.

Is it better to place them under LLC’s or hold them under your name and then carry an umbrella policy to have more liability coverage?

If your city changes it's short-term rental policy, then it's up to you to find a loophole.

I have zero knowledge about mobile homes.

Lindsay, the landlord is asking for General Liability insurance and wants you to get coverage for your Business Personal Property that you will keep in the office, so the landlord is not held responsible for your belongings.Call the agent you have your Malpractice insurance with and tell them you are leasing a space and need to set up an office policy. 

If you're worried about the liability issue, there is no need for an LLC, just get an umbrella insurance policy that will cover you (basically same thing as LLC).

You simply need to get an umbrella policy for liability purposes (same protetion as LLC) depending on you running the risk of getting sued and if you have a lot of personal assets.