The project's primary goal is to offer comfortable and affordable living spaces while ensuring the property adheres to Pretty Good House principles and incorporates the sustainable building practices championed by experts like Joe Lstiburek and Allison Bailes.

I self installed over commercial tile and it is warmed then the section we used ceramic tile on. 

For this property, you would be wise to incorporate the income from the other units against your debt service to make the property more attractive to lend on.

#2: If I had work done by a contractor who was Incorporated (e.g  ABC Construction, Inc) of over $600 do I need to do a 1099 for him?

Also, S-Corps are apparently more corp-like, and its not advisable to hold real property in corporations.

I told her to incorporate that into the loan repaid amount, and she immediately did and asked for my ID and bank statementsNow most lenders do 80% financing with a 20% down payment, which at that point, I understand why there's an upfront cost.But if this is a 100% financing agreement, why are they asking me for anything upfront?

I don't see a need to incorporate in more than one state.

I would so appreciate insights from others who have experience with a rent-to-own model at scale or who have started a non-profit with incorporating real estate. 

Most incorporated cities have their own rules. 

One element you must incorporate into your search is income predictability.