Size makes a big difference in cost.

Climate risks, cost, etc., are the other risks to gauge.If you live in Miami, I would def focus on Miami.

The idea behind this is it avoids having to get qualified by a bank and closing costs.

I have been having some success negotiating seller paid closing costs to help with rate buy down as well. - If you see a property that makes sense, I encourage you to get an offer in ASAP.

New construction may be an option, many builders are offering rate buy downs and closing cost assistance and then you get quicker appreciation when they continue to build out the community.

As long as you have proof of mailing you're okay on the time (not when she receives)  If you end up spending less to clean then you may have to refund some of the cost. 

Your costs are fixed and so you probably can't provide discount financing. 

My question is, if we buy the home using a conventional personal loan while we househack, what would the costs and process look like of transferring the house and the loan over to an LLC?

@Matthew Crane the answer is - maybeAt best, you can claim some of these indirect costs as startup costs. 

In my state that would be an expensive change as I would be paying state transfer tax on the move along with other costs plus I would need to consider whether I wanted to buy title insurance on the property for the new LLC.