Aside from the risk of the due on sale clause, for any property that does not have its mortgage under the LLC, the asset protection might be questionable as this might be a form of co-mingling.

The heloc is my primary source of investing money so i am trying to protect it from getting frozen.

PS - I'm somewhat protective of the commercial lender that I use but if you want to PM me I'll share him there.  

I understand that with the passing of the latest Housing Stability and Tenant Protection Act in 2019 in NY, it really eliminated the up-side of stabilize building.

I understand that with the passing of the latest Housing Stability and Tenant Protection Act in 2019 in NY, it really eliminated the up-side of stabilize building.

Once someone tries to break in, and there are signs of forced entry the game changes and you have to protect the property in a legal/criminal context. 

It is a way to have your money work at two places at the same time, and on top of it you get financial protection for your family.If you use a third party lender, you can get arbitrage on the loan rate vs the policy rate, and you can also deduct the cost of the interest as investment expenses.It is a long term play, as the front loaded fee will need four to six years before you get ahead of investing without the use of a maximum overfunded permanent life insurance.For whole life insurance, there are mainly four companies that I would recommend. 

It is meant to protect the consumer.Now, if you do nothing, you will have a 60 day overlap of the 2 policies and incur the extra cost. 

Where is the obligation to protect your client's best interest?

They should get qualified advice to protect what they have.