Although you wouldn't put 3M in RE in one LLC as they would all be jointly at risk to inside threats.

Big cities or counties might also have orders from the mayor or health department that go further than the CDC ban. 

What about joint partnerships where they look at my partner's W-2 (friend or spouse)?

Depending on how far you want to go, you could ask the health department to do a check on the property. 

(Exterior Back)Chimney(s)• Cracking and large gaps noted in the chimney mortar joints (the mortar between the brick/stone).

I am not sure what state you are in but this is one option:Joint tenancy with right of survivorshipWhen title is held in joint tenancy with right of survivorship, all co-owners must take title at the same time; they own equal shares and the surviving co-owner winds up owning the entire property.

Do you have any affordable & with good coverage health and dental  insurance recommendation for us and the kids(we have three young kids)?

Back@Home NC is a program administered by the NC Department of Health and Human Services.

The check is issued jointly to the owner and the lending entity. 

As far as the capacity, check with the sanitation/health department in the municipality it's located in.