They'll claim you  should have known it couldn't be cleaned, or that the cleaning was sufficient enough because it was done by a pro and therefore the carpet didn't need replaced.I'd rather charge for the replacement and have them say it could have been just cleaned.

My dad makes about 45k he claims for his work.His current interest rate is 5.5 percent.

How much did they claim you originally owe and how much did they settle for?

He was claiming 15% returns for his investors.

My problem is I did not claim enough money (I'm a server) last year.

The ideal scenario based on your situation is to secure it with financing in your name and then do a quit claim deed into the llc.

By far the best advice here would be to seek legal counsel for inheritance claims in California.  

I am a server and only claimed 24k last year.

Otherwise, do you know what the legal ramifications would be if I told them I only had a few long term roommates, but I had a lot of short term renters, and I had to file a claim?

I believed its ours as we have no liens, but SolarCity claims its their and politely asking me to sign 20-years lease contract or convince our buyers to sing it (silly people).