I'm looking for recommendations for someone who has experience structuring loans to minimize the taxes for me as well as either a service or software to maintain the loan, writing the note properly and how to receive payments etc.

Be willing to adjust the rental price if necessary to attract potential tenants.Implement the following steps to increase your chances of finding suitable tenants and minimize vacancies.Generating Interest and Attracting Potential Tenants:Making the Listing Take professional photos!

It's just a standard lease agreement from Avail.com (which appears to be the same form from AOA), with minimal tweaks from an attorney. 

You've increased value in your NW and have minimal maintenance for the next decade. 

It lets you get into real estate with minimal down, you can build equity in a property while your tenant in the other unit helps pay down the mortgage, and if done correctly reduces your monthly living expense. 

For the tax experts here, when I take a policy loan on life insurance for private lending, how should I structure it to minimize taxes?

I have 20k saved and plan to use an FHA 203K loan and house hack to net zero/cash flow minimally on my first investment.

Cost will be minimal compared to falling for the systems where they want to keep upselling you. you dont even need to join local REIA, sleep with GC and ask question that's all LOL 

I buy decent properties and get them fixed right from the get go which minimizes these issues.

House looks updated from online pictures so maintenance is hopefully minimal.