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?

Last month, Fed Chair Jerome Powell said “there hasn’t been enough housing builtand [is the reason for elevated home prices].”

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

If you come back here and say, you called every lender on biggerpockets and sat in the chair of every local bank in your town and no one had any idea how you can get a loan, we can tell you what to do next. 

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. 

Lighter, smokes, cell phone, lawn chair - a regular rec room, with the other tenants property as their table.

Most incorporated cities have their own rules.