One lawsuit without proper protection can wipe out everything. Here's how to structure your portfolio the right way.
The foundation of every investor's legal shield. Separates your personal assets from your investment properties. One lawsuit against your property doesn't touch your personal savings, home, or retirement accounts.
Available in several states. One LLC with multiple "cells" — each property gets its own legal compartment. More affordable than multiple LLCs while providing the same per-property liability protection.
Holds title to property while keeping your name off public records. Provides privacy (critical for due-on-sale protection and preventing frivolous litigation), but must be used alongside an LLC for full protection.
An umbrella policy extends your liability coverage across all properties. $1M in umbrella coverage typically costs $300-500/year. Pair with your LLC structure — insurance as the first line, LLC as the second.
These services make LLC formation fast and affordable. Always pair your LLC with an operating agreement written by a real estate attorney in your state.
Best privacy protection. They use their address instead of yours on public filings. $39 state fee + service. No hidden upsells.
Form LLC — $39 →Widely known, comprehensive. Good for investors who want additional legal docs (operating agreements, leases).
Get Started →Not legal advice. Entity structures vary by state. Some states have additional taxes on LLCs. Always consult a real estate attorney in your state before forming entities to hold property.