They don't reflect on personal credit. 

What I wrote above does not create an attorney/client relationship between us.

I am good at building a relationship with someone and getting them to open up about their situation and then I’m really good at coming up with creative solutions.

While this is a real estate forum, personally I do not see buying real estate right now a great investment.

There's a ton of information available on these forums if you're ever unsure about anything, take a look around, chances are another person has encountered the same issues and share their experiences on here.

However, he (you) should keep it "clean" and not also use it for personal reasons.

or do you have personal experience with any ? 

But there’s an Encumbrances that was posted by TD Bank, by my research was either personal loan or business loan default.

Talk with your tax person or a 1031 Intermediary.  1031 must be land to land. 

I am located in Jax Florida and use my realtor license for personal deals and occasionally help others.