I was hoping a local bank could help but they aren't very good at returning calls apparently to get free money from me haha. 

FHA has a program for such circumstances that I believe are 2 years out of bankruptcy, at least that's what it was last time I heard.Both a chapt 7 and a chapt 13 can affect security clearances.Some banks will never lend to you if you file either one.

I have good personal credit (~730-740), average-high personal debt (mortgage, student loans, vehicles,) and I am employed making $90k/year.

If someone injures themselves and sues, they will be suing the LLC and not you personally.

I personally like the rehab estimator on here.1.

I’ve recently come across the concept of “personal banking” through “overfunding” whole life insurance policies and leveraging the cash value to buy assets.In theory it sounds like a can’t loose situation.

If you can't keep control of your personal finances, you are highly unlikely to succeed in real estate investing.

OP  Find a different bank.

Just as a reminder in addition to the interest rate, amortization schedule and fixed period of the loan, inquire about: 1) Prepayment Penalties (In case you want to refinance in a few years), 2) Possibility of Rehab Funding, 3) Reserve Requirements, 4) Personal Guarantees, 4) Rate Adjustments (i.e. at the 5 year mark) to understand other variables in the loan product that works best for your project.

They issue a very strong full Loan Approval and commitment within 24 hours that the banks/sellers like to see.