It's smart to confirm with your lender and tax advisor before making the transfer.

I'm no lawyer but I sincerely doubt that would work assuming they don't allow the STR license to transfer with the sale.

., When you do a 1031 exchange the basis of the old property is transferred to the new property. 

Has anyone come across any issues with insurance being enforceable if they transfer over a property from a personal name to LLC with a loan on it?

Assuming your current loan is a conventional loan, you can transfer into your LLC without refinancing.

She might have to purchase in her name and then transfer ownership to the LLC afterwards.

Would it be a good idea to transfer these rentals to an LLC in order to qualify?

I've not done that remotely, but it could be done.I have a handyman that gets used appliances all the time and installs them in my rental houses when needed.It would take some trust or coordination on your part but could save you some substantial money.I'm sure you could find someone on the next door app that was handy and had a truck to go pickup stuff.

Typically something like this we would coordinate a time when the tenant is out of town traveling etc.Also 3 days for a shower seems excessive.

You'll be able to learn the ropes of managing a property and coordinating repairs/renovations.