I asked her about it, and she got defensive and said she never lies.

The limitation is that in order for liability coverage to be triggered or potentially even defense from your insurance company, BOTH your personal name and LLC would need to be named in a lawsuit. 

However, you can take advantage of our huge margins in a self directed IRA, Roth IRA or Qualified Retirement Plan and grow and compound your returns in those tax free or tax deferred accounts. 8.

The contractors, in their defense, have to eat too. 

On another note, if you are worried about asset protection and have other personal assets or a decent amount of equity in the 4 unit, the LLC strategy is only one line of defense.

@Blair LeePolicy loans are best so the interest still compounds uninterrupted.

Because my current job has been very tentative (defense contracting in a large corporation on an niche system) my motivation has been to convert 401K funds to higher performing results that provide CASH FLOW to cover our monthly living expenses (mortgage, etc in California).

If you focus on specific areas and understand the values and also get the proper insurance coverage and asset protection, you will do great through the compounding effect in your investments.

The power of compounding.  1 penny, doubling 30 times = $10,737,418.242^30

Thankfully, many politicians rely on economists who are smarter than you or in framing economic policy and incentives for growth.For us simpletons, the biggest impact 1031 Exchanges give to the American economy is that - THE GOVERNMENT GETS TO TAX THE COMPOUNDED VALUE OF OUR COLLECTIVE REAL ESTATE INVESTMENTS AS WE SELL INDIVIDUAL RE.