I am not a licensed GC but I have experience building spec homes that I could show a bank Fine paying a higher interest rate on the construction period of the loan, but would like to be more in line with traditional mortgages rates on the perm portion (although fine paying slightly higher if I avoid closing costs for a second loan)Do y’all have any recommendations on specific types of loans for this or specific banks I should talk to?

You can have both accounts for a period of time until you move everything over, then you can close your Wells Fargo accounts.Frankly, Wells Fargo has been a frustration... they won't allow mobile deposit over $2,500 and you can't send a wire transfer online for over $10K -  they make you go to the branch (what a joke!!!). 

You can potentially qualify for a regular rate & term refinance of the 91k loan (plus closing costs) within 12 months.  

Check out the map and see what other properties are being listed for.Personally, I think a larger home with 5 beds, is set up perfectly for a rent by the room strategy.If you do want to look at an STR option, check out AirDNA.com.  

I ended up getting a state tax refund this year from Kentucky.  

They could likely help answer some of your questions.I’m guessing you chose the NKY market because you want to invest close to home, and I’m sure there are plenty of opportunities there.

Any suggestions on when is the best time to set up a LLC, is it too late to get it after an offer is accepted? 

Easy Street Capital will lend DSCR on up to 10 units!

I currently have an experienced real estate accountant who is looking to pick up more hours.

These quickly eat up profits and adjust the risk profile of deals.