Do different agency lenders have different spreads and interest rates?

They can go after the personal assets of the trustee, but what if he holds no personal assets in his name, every asset is owned by a different trust.

Not every property is suited to MTR or will cash flow that well but you're clearly in a great market and have a great product and that makes all the difference. 

Interest tracing rules apply here but an LLC makes no difference

That's the difference.

These 2 points will help me give more pointed suggestions for what you're up against because the tax rules all can be slightly different. 

That's going to make a huge different in the cost.

These are also great potential private investors.When you get to the point where you don't need the cash, you start to think differently. 

@Gerald HuberRecommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.When investing in areas they don’t really know, investors should research the different property Class submarkets.

There may be a big price difference between a $5k deductible versus a $10k deductible.