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

So, I think i recognize your logo as being the wholesalers that flooded my mailbox with like 20 flashy postcards all at once, so I am assuming this is a wholesale assignable contract deal?

I have a logo and domain name which I purchased and am in the process of build a website.

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.

Just don't let things like creating a website and logo and business cards, etc... become an excuse for delaying other actions that are likely more important early on.J.T.

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.