If you close with a conventional loan, it will need to be in your personal name.

Personally, I'd go with the As-Is scenario.

I don't doubt that guys like me and you will succeed over a long enough time frame due to drive, ability to go do it, and determination, but the timeline shifts drastically due to the momentum killing L's we took early in our career.This is why it's hard to compare yourselves to the real estate winners of the past decade. 

Matt that is the NMLS number for the company not for you personally  sounds like your a VA or something not a licensed lender..

This is so I know if I should keep the person I currently have.

For funding, explore options like FHA loans, personal savings, or creative financing, and focus on New Jersey markets that align with your goals, such as Newark for rentals or commuter towns for house hacking.

One-person rental units are in the highest demand, and co-living directly appeals to this market.

I personally would not invest in detroit as historically its not a appreciating market and for cash flow and I invest primarily for appreciation - I go off the location location location mantra. 

I'm not a professional Tax person.

Share what you are looking for and the deals you are working on with your network in person and on social media regularly.2.