It's harder to give you an accuracy rating of those numbers, because a lot of the numbers you call will go straight to VM, so you don't know for sure if it's the right person. 

To be honest I do not send out a lot of letters and do not mass send things out so maybe I'm the wrong person to listen to.

The borrower is not personally liable for the loan, and the lender cannot seek additional repayment beyond the collateral.Since the borrower is not personally liable, they can choose to make larger or additional payments to pay down the loan faster if they wish.

Personally, I've been in the mobile home investing business since 2007.

The purpose of house-hacking, as you're aware, is to benefit financially from another tenant/roommate subsidizing your cost of living. 

Are they different for rental property vs personal?

Have I personally advised clients on alternative financing transactions? 

Does having an LLC simplify any of that vs doing it as part of my personal return?

This was a great purpose for them, but I do not recommend them for a value-add at all. 

I've done this with my properties because I'm well known in my small town and don't want people to know what I own.LEGAL PROTECTION: By placing your assets in an LLC, you are legally separating them from your personal assets.