Hot take: You don’t need an LLC to buy investment properties. Here’s why I bought my first 10 properties in my own name, with the help of umbrella insurance:
1) We recommend buying your first 10 properties in your own name (rather than using an LLC). The government allows you to have up to 10
2) Why? Because the financing terms are often better for personal purchases (including lower interest rates and smaller down payments)
3) Better financing = higher monthly cash flow
4) Umbrella insurance provides an extra layer of protection (covering the costs that go beyond your regular insurance policy limits)
5) For example, if a tenant gets injured and sues you for $1,000,000, but your property insurance only covers $500,000, your umbrella policy will cover the remaining $500,000
6) How much does it cost? For $1 million in coverage, umbrella insurance typically costs less than $500 per year
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Kevin “KAYR” Robinson is an entrepreneur, author, and real-estate investor who turned poverty into purpose. Through KAYR Motivates, he shares real stories and practical lessons on mindset, discipline, faith, and financial freedom — showing how resilience builds results.
A graduate of Bowdoin College and the Tuck School of Business at Dartmouth, KAYR built a multimillion-dollar real-estate portfolio and founded KAYJAY Consulting to help others create generational wealth. His debut memoir, Can’t Break Me (Morgan James Publishing, 2026), reveals the mindset that carried him from hardship to freedom.
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Joined 28 February 2023