Alternatively, if its for the hopes of accessing future real estate loans via the LLC then it may be a moot point as a lot of these bigger banks won't lend on an LLC that's brand new and no history of cash inflows/outflows. 

They purchased it for $3m, put $750k into it, we expect it to appraise for $5m, and are seeking loan proceeds of $3m.Here are three commercial mortgages that might be a good fit (click to enlarge, if necessary):Not listed there, but from left to right: Points are 1.25, 1.5, and 1.Prepayment penalties are 5 years, no, and no.The way to read "3/25, 15 years maturity" is that the rate is fixed for 3 years then adjusts, it has a 25 year amortization, and a balloon payment at the 15 year mark. 

Well, then clearly you aren't paying attention at all..The world is changing (and warming) and the effects seem to be accelerating much faster than anyone has anticipated.

Then we came in and gutted it and rehabbed it.

I always recommend to anyone start with a duplex, manage it from there and then grow. 

Then the contracts, disclosures, etc. coming in around 100 pages.

If you house hack as a Live-In landlord however, then you can live in any house, anywhere as long as it has a lot of bedrooms.

Normally, if the policy values the loss on Replacement Cost, they will initially pay the loss at the Depreciated value, once the damaged area is rebuilt, then they pay the additional amount (up to the limit on the policy).   

Like purchasing the property under the llc and then doing a quitclaim deed into my name and then refinancing.

If yes, then add them.4) Class of neighborhood.