So we have 4 properties in 1 llc in MN and when we went to buy more we created a second llc there and now have 2 properties in that one and will probably add another couple before creating a third llc.  

Third option is to buy a SFR out of state and get about 1200 a month in rent and don’t have a debt, down side of this is property taxes are expensive and is out of state making it hard to manage in your own. 

For the third option, you can find an investor that is experienced and that has lengthy and reputable track record.

Preferably a company you've had good experience with.Upon researching the third party property mgmt the turnkey company is using - lets just say I didn't like what I found. 

Also a third option: partner on deals with a builder/contractor so that you have a solid idea of your cost per sq ft when making offers. 

Wind, Flood, tornado, Hail, or third party damage or theftcan still occur.

The first two were through USAA, and the third was a VA Refi IRRL through NBKC.

You do want to be sure that you aren't paying a markup on the third party reports, but those seem standard, depending on the size of the property and location (seismic is often only done in certain areas).5.

Second, was a strong national broker (Marcus & Millichap) and third, a local NAI broker.  

Third: Do you guys know any lenders that are friendly to a similar scenario as this and would recommend?