Hopefully I get a break from loans transferring to new banks/ servicers for awhile, I'm over it.   

While very lucrative - if you don't have enough reserves, it can really break the bank. 

I have had a couple of clients just get the loan approved with the long term rates and then the bank really doesn't care how they get it rented out after.

Makes banks happy, but not what you want if you are concerned about your bottom line. 

.- If you decide to have an LLC for each property, creating a Management LLC that all the other LLCs "hire" to run their books, will allow you to only require a bank accont for the Management LLC.2) You may not be able to do a Trust.

This is a FREE service provided by the bank, and we have used this account for about 15 years or so. 

I wouldn't bank on selling within 2 years.

Does she or I call the bank to see if it's possible to transfer?

Once my architect produces plans, the bank will have my property and ADU plans appraised.

Most US mortgages are based on 30 years and without assurance on insurance, why would banks continue to make mortgages in higher risk areas if the potential is complete loss?