2) Am I wasting my time by incorporating referral income to my real estate business?

For example, the duplex we have has a 25 year mortgage at a 3.75% interest rate.If we get a 12k home improvement loan at 6% interest over 3 years how can this be incorporated into the calculator?

Well sorta, but I then shared my vision for incorporating rentals etc.

And more importantly for those who used to work in corporate world, in a job where it has high demand and focus which offers good salary, how did you do it?

I've been in your shoes of wanting to go out on my own- actually quit my VP job in Corporate America 2 years ago to start 2 business (real estate being one of them).

I'd incorporate a solid accountant/CPA. 

Exception: attorney’s fees must be reported on 1099-MISC even if they are incorporated.

I am considering incorporating and having us 3 as directors but only the investor as the sole shareholder.

But my main question here is how to incorporate my savings in rent into this equation?

What is the true spend on these sites when you incorporate PPC?