My rule of thumb is, if you have to ask if they are legit then they probably aren't.

However the layout is not very straightforward (like below).

A good rule of thumb is this:  Be careful and fully understand the risks of "getting in bed with the government". 

To put it as straightforward as possible those are the incorrect questions to be asking if you want to be a savvy investor.

You can look into a cost seg study to accelerate some of this depreciation.Beyond the basic deductions, keeping a detailed record of shared expenses and understanding the split-use rules can maximize deductions.For house hacks, depreciation is typically taken on the rental portion only (50% in your case).

They are subject to liability if someone sues, and their license is subject to discipline or loss of license if you violate rules/laws and get caught.

A loan-to-value (LTV) ratio around 70-80% with a straightforward approval process would be appealing.

As a general rule, each entity that files a separate tax return (partnership, s-corp, c-corp, etc) will need its own QBO subscription.

You know the rules and you sell inside of them, no problem.

They're very straightforward.