What can I do to prevent this from happening?

Make sure security lighting is good at night as well for safety of your tenants, to prevent illegal dumping on your property, and for helping keep illegal activity from happening in your parking lot ( drug deals ) etc.No legal advice given.        

Still, after years at the university and seeing that new issues are almost always unnecessary, I'd still skip it.

I should be looking more at getting my feet wet but if I can prevent payments to PMI, ideally, I'd like to go that route.

My husband makes almost $20,000 a month and we have no problem meeting our bills and because of who or what we once were may prevent me from providing a nice home from my children and essentially screw yourself on guaranteed money on time for the lease term.

Has anyone had experience with this, and if so, how did you prevent it?

Unless they have some provision that prevents you from renting out by the room, there is no way for them to stop what you're doing.

In the past, when I've been unsuccessful getting a neighboring property to properly prune the tree to prevent encroachment onto my property - I'll hire a company to come out and shear everything off straight up about 2 feet into my property (just to be on the safe side, never know exactly where the boundary lies).

I only ask because I have yet to ever go through a refinance, or a HELOC, so Im not sure of the time lines they take, or if theres rules that prevents one from another etc etc.

None of them by themselves are generally adequate for fully protect you, but when used correctly it is a nightmare that prevents law suits from even occurring.You can still have access to great financing within an LLC, but it requires additional steps to accomplish it.