With Rhino I am to setup $4K to $6K in coverage and most of the time I have been able to protect rental income. 2) No sign-up fees for landlords. 3) Renters can avail minimum out of pocket i.e. 5-15% of the insured amount. 

Reach out to discuss more.

I'd rather go with a conventional loan to get a lower rate and fee.

Also discuss with the agent, what risks you are taking by using a contractor with out Workers Compensation. 

Plus there are the Airbnb fees and some areas have an additional tax.

Rates are similar to conventional investment property loans, however the fees may be higher. 

How loan officiers can pay Referral Fee to realtors in a legal way, and NOT as kick back?

(If you do, the terms of financing may be costlier than financing as an individual)  With an LLC you will have annual filing fees (usually minimal) and perhaps any costs associated with having a registered agent if you move.So, ask yourself what is your goal in putting them in an LLC? 

I have messaged an agent that I’m currently doing business with and he said he would love to sit down with me and discuss everything!

Moreover, maybe your market is different, but from my experience, most contractors won't walk a property until it's under contract or you're providing a flat fee for their time.