For example in many jurisdictions I can STR units in a duplex but cannot STR an ADU (some jurisdictions will let you STR if you owner occupy).

And then I would use trust deed and promissory note to get a loan with lower interest rate this is how all lenders work banks HML private money lenders if they are scaling.. 

Can you throw out names for Missouri resources they have worked with before on investor friendly realtors, tax experts, and investor friendly banks? 

While the second LLC does not yet have an EIN, can we temporarily operate using only the bank account of the first LLC (which also holds the property)?

I paid $600k and got a local bank to loan 75% for 5-years at 3.85%. 

If you arent laughing all the way to the bank then its not a good starter deal.

If not again you would be better off buying your own home and having enough yard/space for all of them but 13 is still way to many dogs unless you live on a farm or own acres of land.I have worked in the banking business and have seen people lose their homes that they rent due to landlords kicking them out with very little warning due to breach of contract or a No pet rule. 

I suspect you spoke to bank employees who weren’t in their commercial lending division and didn’t understand your borrowing request. 

Although we do have deals on the lending side that dont work but we are not forced into a position to take big loss's like we were when the banks were calling our loans.. this will happen in the DSCR world as all these folks are using same type of debt IE debt that can be called based on the terms of the debt or like you have seen with the syndicators that are talked about on BP max leverage bad debt things dont go right And you have cap calls or projects totally lost. 

You may have to put more money down (10-15%), but you can close, in a LLC, with no worries about banks.