My concern is what will happen to my future insurability or insurance cost increases if I go this route.

We work with a National Contractor that operates on a business plan where they get paid after a property sells, which means no $ out of pocket for a homeowner or investor.

Instead, he used our one-hour sessions to review and repeat the exact same useless generic information contained within the online modules and to sell us on buying his whole life insurance policy he sold on the side.

Don't worry about LLC, just get a good insurance policy if you are worry about losing your asset.

Buy NNN, avoid the property tax risk, insurance premium etc.

@Shane Duncan are there 401k or other fund like life insurance policy you can tap into?

I had the idea these housing prices would start coming back down to earth sooner; I'm currently in a home that I planned to rent when I purchased it.

The plan is to create an Excel sheet where I could plug the basics into a formula and it would give me a side-by-side view of how the investment looks with each fund option. 

Our house is assessed at 415000 and the mortgage is 269000 and not declining because everything goes to interest, taxes, and insurance, nothing to principal.

I just started an application with Bank of America, which is where I do my banking, but damn, they want a complete application with records on all six of my properties, P&L statements, insurance riders, and the whole nine yards.