That would only be 3 people living in this house, but I'm concerned I'll run into problems having the two kitchens, that somehow that will effect the zoning rules?  

A lot of the people never call to confirm, but in those cases I just don't go to the property so it doesn't waste any of my time. 

I'm curious on how effective it was, and was it worth your time?  

I'm thinking about not wasting any time on this and move on.

Effectively, this limits how many loans a vet can take out because of the eventual cap. 

My basic understanding of insurance is that insurance is a waste of money until you need to use it. 

Ever hear Haste Makes Waste? 

Also, I've been in the uncomfortable position of having to effectively rat one partner client out to its other partners when a partner "goes rogue" by creating or modifying documents himself.   

All of your income-producing assets are held by a business entity and the entire structure can be willed to your heirs via the personal trust.This triad becomes the foundation of your business entity structure and provides effective protection against liability from either the LLC or S-/C-Corp.

A transit level would be just as effective but requires 2 people.