Our members get crowd funded financing through a private source here in Illinois.

I submitted an inquiry on their site and have been inundated with call and emails from various lenders.

There are several local community banks who would enjoy hearing your story and could possibly refi all the properties for you in a single loan.Send me a private message and I'll be happy to make some introductions for you.

answers texts and emails at any hour including weekends. 

Greg,I think your alright , make sure that you have all your emails , Pictures and any other correspondence from all aspects of yourdaim and what has transpired.

I live in a townhouse for which I paid cash. Then I formed an LLC for my REI’s. I’m thinking of a HELOC for short term deals/flips and was wondering the following...

1) Should I take out a HELOC on my townhouse or my...

if they advertise on any public medium then they are one in the same.. private lenders don't advertise and are those you know personally. 

They also usually notify me on the 10th by email if they have not received a rent payment so I can plan accordingly.  

Flood risks are mapped out by FEMA and Flood Insurance is provided by the Gov't (National Flood Ins.) and recently by private Insurance companies. 

The private lender just wants fire and theft policy.