Do we need to form an LLC together, should we open a joint bank account together etc????

My only real reason for wanting to move my property into an LLC would be to show a bank that a newly formed business has an asset worth as much as the house.

In almost 30 years I have always used a TREC contract or in most cases the contract the bank, HUD, VA or FNMA requires.

I am looking to buy my first small multifamily  property and am wondering what local banks or lenders you have had good experiences with?

If not sold at the auction, bank buys back the property.

If you're not familiar it basically recommends that you have a bunch of bank accounts (income, profit, owner's pay, taxes, and operating expenses) and when money comes in you distribute it among your bank accounts in some predetermined percentages (profit first of course!)

I have money in savings that I can use as down payment, but with not showing much income right now, will a bank approve me?

One question that has come up as I begin the rehab process is about how long will banks or loan officers require consistent rental income for short term rental until they'll approve a refi?

Have any of you used 2 email addresses and had the incoming funds routed to 2 separate accounts at a bank?  

im stuck on 3rd R of BRRRR.i bought triplex financed my downpayment and used total $45k to fix up now cant afford to refi cash out to repeat cause need 2-3 months of reserves ie $3500-4500 in personal not dba account. i only have dba and i spent it on fixing 3 unit and rehabbing my new personal residence. both have equity but no one wants do Heloc with me credit is 700. owe $79k on triplex ARV is eta $225k based on noi , gross rents $2995 net monthly is $1850, moved into 3 unit for 5 months while fixing then tried refi while living onsite but needed 1140 rent to meet debt 2 income ratio to buy primary residence and b4 moved out i  tried refi via VA but  told need make 6 payments first. so i hunt for portfolio lenders...no luck yet tried 4 in Maine. once moved out tried refi triolex conventionally with veterans unlimited, and quicken loans. both failed me on dumb minutiae wasted 3 months.now spent all my original financed money to fix up triplex and rest money to buy, move and rehabb my primary and now have no reserves. im living off my rent incomes. cant save up need buy 6-8 unit need 25% down plus rehab costs.sitting on 3 acre river front 1500 sqft camp with 2 barns 35ft from river that needs rehabbing but owe $52k ARV is $190k. holding is $550 month, needs $50k rehabb any lenders offer no reserves and 100% besides VA and no seasoning?