It's the nature of the beast, someone is doing a job and they want to get paid for it.

Given the costly nature of investments or expenses such as this, in theory your DSCR could take a hit. 

but an 800 fico and no experience is not going to get your loans of a commercial nature.. those help with fannie freddy. 

Much would depend on the nature of the terms. 

I am naturally more conservative in my risk taking so it was a struggle for me just to outright quit cold turkey.

In addition with some loans such as Fannie Mae they are now allowed to move the property from their personal name into the name of a LLC without violating the due on sale.Section D1-4.1, Information Relating to Transfers of Ownership Applicable to All Mortgage LoansD1-4.1-01, Determining Whether a Transfer of Ownership Is Permitted (11/12/2014)[...]D1-4.1-02, Allowable Exemptions Due to the Type of TransferA transfer of the property [...] to [...] a limited liability company (LLC), provided that: the mortgage loan was purchased or scuritized by Fannie Mae on or after June 1, 2016, and the LLC is controlled by the original borrower or the original borrower owns a majority interest in the LLC, and if the transfer results in a permitted change of occupancy type to an investment property, such change does not violate the security instrument (for example, the 12 month occupancy requirement for a principal residence).Note: The servicer must notify the borrower that a property transferred to an LLC must be transferred back to a natural person prior to any subsequent refinance application in order to meet Fannie Mae’s Selling Guide underwriting requirements.All of the information that I post here on BP is to be considered my opinion and not taken as legal advice as I am not their personal attorney. 

Seemed the best course from a liability perspective, although naturally your best course of action may be different based on the reason they are requesting it.

Understand YOU and you can take over the world, you have the other side of the picture because you understand people and human nature.

Regrettably, everywhere has natural disasters, earthquake, wild fire, flood, hurricane, snow collapse.  

Figure out what that fear is and overcome it if you want to "Play to win vs playing not to lose".It's natural to be afraid.