Ultimately you will be in a short term loan so your planning is vital. 

The attorney can draft the note for you, but it is vital to know what clauses you want to be included in the note.

I'm assuming it's that since you said hardwood, but if it's laminate with a thin layer of wood you'll be able to refinish it far fewer times.

The "intruder" will be treated with some level of negative attitude, often hidden under a layer of politeness and social norms.

This can help provide another layer to assist in people not knowing who or what you are or aren't.An LLC allows you to operate as a corporate entity, a partnership, trust, or Sole proprietorship.I LOVE LLCs and use them for their ability to morph and adjust to my needs and the needs of my clients.I have a client who just bought out their partner.

I own five single family homes in the Twin Cities area (Minnesota) and am trying to learn if creating an LLC and transfering these five houses to the LLC is a good decision and worth the time and money for such a small portfolio.I currently have a $1M umbrella policy with my home owners insurance company but am wondering if one additional layer of protection would be prudent.If I should create an LLC, should I create one for each property and another to hold the five LLC's?

We got the cork backed fancy NuCore with 6-mil top layer (waterproof and lifetime warranty for residential and 15 year for commercial) for $2.89/square ft -- that just needs a moisture underlayment @$.11/ square ft over a concrete subfloor and doesn't need anything over tile or any other kind of subfloor. 

Continue to layer them on.

Vinyl siding so I am guessing a thin layer of foam insulation under that.

Truth be told, my net returns for available RE capital has probably been closer to 14% over the past couple years.I just wanted to show an extra layer of return that a 100% loan can net you.