I would recommend just to get a large liability umbrella policy for now.The broker that is suggesting to get the loan in your name and then transfer the title into the LLC, what does he say about the DOSC??  

With nearly 14 years in these forums, I have yet to find a mom-and-pop investor that was sued for more than their insurance would cover.If you are concerned about it, buy an umbrella insurance policy.

The home boasts an outdoor shower, washer/dryer, work-space, dishwasher, sunroom, two-tiered deck, 50” smart TV, and full kitchen amenities.

I suspect before the last refi is was approaching $1K/month of cashflow (I include everything in my expense estimates even a misc that includes items like its share of LLC costs, its share of umbrella coverage, a utilities estimate for the rare occurrence when the utilities should be paid by LL such as a slab leak, etc.). 

This diversity is reflected in the food, music, and overall atmosphere of the city.3) Beaches and outdoor activities: Miami is famous for its beautiful beaches and outdoor recreational opportunities.4) Nightlife and entertainment: Miami is known for its vibrant nightlife scene, with numerous clubs, bars, and restaurants.Overall, moving to Miami can offer a unique and exciting lifestyle!

They do fall under the umbrella of groups from Neighborhood Building Alliance. 

When selecting the property, I would keep the following in mind for "rentability" (which would also be quality of life for you): in unit laundry, proximity to metro/public transportation, on premise parking or nearby affordable monthly lots, central heat and air, closet/storage space, outdoor space (private or shared).

Going without medical insurance is akin to going out in the spring time in the UK without an umbrella: it’s going to rain, you just don’t know when.

An LLC, liability insurance, umbrella policy are all things to mitigate this type of risk.That is talking from an entirely risk standpoint, and not touching on ROI, ROE, etc...

They actually said they are looking forward to getting into the great outdoors and exploring nature in their message to me after booking.