By trade I have been in occupational therapy for 10 years, but am willing to take a pay cut to really focus on what will make me the most successful investor I can be.

You will have a leg up on the competition where it's a stand-alone. 

A renter for a stand alone rowhome is usually a different profile from a large apartment complex renter in my experience.

The property is a 3 bed/3 bath and it was engineered to have the ability to lockout the basement 1 bed/1bath studio as a stand-alone unit. 

Legitimate, in this case, means that the entity is part of an overall business investment strategy whereby you have a business plan, tax returns, and the funds you seek are for further business expansion.If, however, the LLC is a stand alone entity, is not profitable, or is not legitimate, then your probably better off putting into your personal name and securing funding that way, or still talking to local or regional banks to see if they have any loan programs available where you might be able to secure financing.

That said, if you only have a few "residential" rental buildings, most direct carriers can get you pretty low deductibles on their stand-alone policies (State Farm, Allstate, Farmers, Nationwide, etc.). 

If there's room for a stand alone tub in the primary bathroom, install one.

Of course, you can do this in a stand-alone rental, but numbers are incredibly tight for house hackers now, so I thought it would be better served in this forum.Let's take a four-family where you house hack one of the units:1.

I didn't realize Lula was a standalone company, I had only heard of it via TurboTenant.

Similar to point 1 but also could be standalone. 5.