We secured a 200k USD senior debt position which allows us to avoid raising so much equity.

But by putting the properties into the business name you can avoid having the debt reported to personal credit so long as the funding lenders servicing company allows for it.

Plus, they all push you into using their tenant application systems, which are equally frustrating. ...I could maybe forgive these issues if I got tons of leads from these sites, but I don't get many leads at all (especially considering the prominence of a site like Zillow).    ...all I want is a simple, streamlined, fast, easy to use site that produces lots of quality tenant applications, why is that so hard?   

@Charles CarilloThank you for giving me the most sound advice on this question and positive words.

We have some credit card debt we are hyper focused on paying down , and 34K in my student loans (not touching currently due to SAVE plan with the zero percent interest).

SFR is far less impacted by such, mainly because the debt being capitalized over 30yr terms vs, 3-5-7. 

If you decide to have a great car, great house, great everything you will be in debt like everyone else.3.  

But these days, it’s hard to find decent properties where the numbers work as far as covering the debt service with rental income. 

I do not have a lender right now, and I will need the 12-month rent history as well as various metrics on the property such as insurance quote (which needs property information in order to obtain), existing debt, and purchase price (which would be established while making offers).

If it's simply cash flow--irrespective of hard assets-- then you're better off buying some form of debt.