Can a person own two homes with two VA loans and refinance one of the homes  into a conventional loan freeing up some of the entitlement which would enable you to buy a 3rd home under the VA loan?

I always got a DP3 policy (ask your broker) with $500K liability on my rentals, topped off by a $2M liability umbrella off my personal residence.

We are looking to learn from seasoned or new investors in this arena for real estate investment has been appealing to us forever.

Sounds like your bank simply wants your personal guarantee with your name on the loan and not that of your LLC.

I personally don't, but I'm not carrying my groceries up and down.

Personally, rather than push on rate I would go for max flexibility on the repayment.

This separation helps in maintaining clear financial records and simplifies tax reporting and financial management.Setting up an escrow account specifically for rental income within your LLC can offer several benefits:Financial Clarity: It separates rent payments from other operational expenses, making it easier to track income and expenses related to the rental property.Legal and Compliance: Helps in demonstrating that rental income is kept distinct from personal or other business funds, which can be important for legal and tax compliance purposes.Tenant Transparency: It provides transparency to tenants and other stakeholders regarding where rental payments are deposited and how they are managed.While it may not be a legal requirement in all cases, maintaining an escrow account specifically for rental income is a prudent practice that many experienced investors and landlords follow.

Speak with lenders to learn about the conditions and criteria of refinancing.

Lessons learned?

Haven't we learned from Covid that the freedoms we take for granted can be taken away from us in a heartbeat if we depend on one single country?