Wyoming has more protections. best of luck to you. 

The liability laws do not separate a student from a prospective tenant, it's universal protection. 

That totals 3 state returns and 1 Federal return.If you want Charging Order Protection Entity (COPE) status make sure your LLC is established in a state that provides COPE.

Also, using leverage is a form of asset protection. 

I’m new to RE investing and not sure whether I need a LLC for additional protection.

What is the best way to protect myself and my properties through insurance?

If we self-manage, does the LLC still protect us?

I'v seen post about  "force majeure" or “Act of God” clause but not sure how that is used to protect landlord.

So it is actually protecting some people who would jump and buy early, since their lending partner (the bank) is not going to participate.

Also, be very, very careful with any non-tenant staying there more than a day or two, because 'guest' can slide into 'legally protected squatter' alarmingly fast.For these reasons and others, I've become more interested in alternate renter pools - furnished bedrooms for travel nurses, professionals on temporary assignment, people with weekly gigs in Austin but who return to Houston on the weekends, etc.