Thanks to zoom, many musicians are teaching lessons online so they have a wider audience and can operate from anywhere. 

Online you get pitched way more than you get connected, although you can make great friends here.2.

Quote from @Lisa Broderick: Crazy that anyone would think that's a good investment.I learned what I needed to know by reading a few books and asking questions online.

Quote from @Andrew Burrell: You can usually set up an LLC yourself or use an online company that is inexpensive.

I'd attack the credit report :) 1) lower (pay down) whatever accounts have a high utilization percentage 2) contact each of 3 major consumer credit agencies and get a free report, then dispute every hard inquiry that is *NOT* associated with an open account 3) call the credit cards you already have established and ask for a credit line increase -- often can be done online and they do not verify income, hint hint. 

Other options include refinancing if you can get a lower rate or bite the bullet until April.  

Hey guys, I personally set up my partner and I's LLC online in about 30 minutes, without the use of a lawyer.

However if you do plan on refinancing again in the next 3-5 years, buying down the rate won't make any sense if it's going to take at least 3 years to break even.

There are a TON of online communities as well, and perhaps those groups online have some individuals not too far away from you.Hope this helps!

The rising interest rates have crushed cashflow and made refinancing nearly impossible.