Also I am having more and more difficulty finding insurance companies service STRs.My agent recommended a visitor covering option to my regular insurance.

Just a followup - if buyer decides not to buy furniture, but tenants are still on the lease for a furnished apt. what might be my options at that point?

They have a few options including paying off the plan early and completing the chapter 13 and then selling the property. 

If the problem persists, you could look into soundproofing options for the ceiling, like acoustic panels or even just thick rugs or blankets hung strategically.

TBH i think your best bet would be to have that 10% - 15% 'jr. debt' be from cash-out on another property, if it's an option.

In this strategy, maximize the units but all of the properties are now financed.For the veterans in this space out there, how would you look at these three options or option 4 if I may have missed one to maximize your returns over time? 

I understand that if I buy the property, LLC is the best option.

I believe most people (myself included) end up going the online route, and there are many well-reviewed options (and some on Groupon) for <$150.

So you've got two options.1.

@Sarah Kensinger Wayfair is great for finding options but if you do a reverse google image search you can often find where it actually ships from at a steep discount.