Most people on this topic suggest owning investment properties personally and then moving them into a corporation.

You do not need to send a 1099 to most corporations.

I have some questions about refinancing a property under a corporation.

Texas is number one in In-Migration (Both People and Corporations). that makes economy so diversified that even oil crash is not affecting Texas now.

It is literally like finding a needle in a Haystack trying to find one.I Don't really want to use a Big Corporate HML, as I'd prefer to use one who is ..... 1.

I would recommend that you form some type of corporation or an LLC.  

It could be either a coop or a condo - in a coop you own shares in the buildings corporation that entitle you to occupy a specific unit, in a condo you own the physical space. they'll have either maintenance fees or HOA fees as an additional expense, and these can go up whenever the board voted on them.

It occurred to me - Does anyone use a personal corporation?

Now, one of those things, depending on your personal worth is you might want to form either some type of corporation or an LLC to form that will protect you personally and put you in a tax advantage.  

Consider forming some type of corporation or a LLC to protect yourself personally.