My question is do I carry direct liability exposure from the loan being in my personal name?  

Please confirm with your own CPAs and Attorneys before making any decisions but in terms of liability and tax exposure, I've observed no noticeable difference with individual vs LLC investments. 

As such I started off and continue to be a part time agent for non-family buyers/sellers which helped ensure that I had stable income from W2 and "bonuses" from commissions whenever they happen (hence no pressure to close deals).Family deals aside, because I chose to grow the business organically through my sphere of influence, I've been able to not waste a dime on advertising or a minute on chasing cold leads.

I think you're very correct with being conservative with your numbers to create wiggle room and unexpected or unanticipated exposure coverage.What programs do you use to run your analysis? 

I think it would technically be considered a 3 bedroom unit but I think it’s better as a 2 bed + office or even 1 bed + 2 office/bonus room which is how I currently use it.

The study identifies with forensic engineering detail the immediate Bonus Depreciation 5, 7 and 15-year personal property class lives qualifying portions of a building that are normally buried in 27.5 year residential or 39 year commercial categories.

And, as a bonus, what's your go-to toilet at Home Depot for rentals?

To stay in the same general area and up your property tax exposure.....I would further consider. 

And if you are looking at rental market, agents may not be the best, or only have partial insights, since they have exposure bias to buyers, not renters.Property managers will help if you are trying to gather market insights on rentals in various areas, who is renting, things to watch out for, expenses typical for the market, etc.I also like the "drive it yourself".  

“Foreclosure activity has continued to gradually return to normal levels since the expiration of the government’s moratorium, and the CFPB’s enhanced mortgage servicing guidelines,”“March foreclosure activity was at its highest level in exactly two years – since March 2020, when there were almost 47,000 foreclosure filings across the country,” https://mortgageorb.com/forecl...Headline writer deserves a bonus for all the extra page views for making something from "... normal levels...".