I tell everyone they can apply no matter what their circumstance and if they follow up with questions about why they were not selected then don't expose yourself by telling them their downfalls.Hope this helps.

That is an acquisition cost that will vary depending on the buyers circumstances and thier finance situation. 

This is a rather narrow set of circumstances, but it is out there.For your situation, sounds like you would just be considering items 2 and 3 for tax purposes. 

If I will apply now for HELOC does it affect my credit score for my next primary application) The builder just pulled again my credit last 5/21/24 (for the second time), Does it affect in any circumstances my loan will fell out with the builder?

They would be realized depending on favorable circumstances.

Both FNMA and FHLMC permit this, under the following circumstances: Notes: For all such transfers affecting mortgage loans purchased or securitized by Fannie Mae on or after June 1, 2016, the transferee is not required to occupy the propertya limited liability company (LLC), provided thatthe mortgage loan was purchased or securitized by Fannie Mae on or after June 1, 2016, andthe LLC is controlled by the original borrower or the original borrower owns a majority interest in the LLC, and if the transfer results in a permitted change of occupancy type to an investment property, such change does not violate the security instrument (for example, the 12 month occupancy requirement for a principal residence).The servicer must notify the borrower that a property transferred to an LLC must be transferred back to a natural person prior to any subsequent refinance application in order to meet Fannie Mae’s Selling Guide underwriting requirements.Citation: D1-4.1-02: Allowable Exemptions Due to the Type of Transfer (04/13/2022)Now, you will still have the Note and reporting in your name individually and will still be personally responsible for the mortgage and most likely, the manner of transfer will enable any litigant to pierce the veil of your LLC, but you'll have what you wanted, for whatever reason. 

In any asset protection system in any state, but especially for those in CA, I personally would look first towards State Exemptions and what assets I can exempt, then, after I have maxed out my exemption options with my assets, I would then look at what additional asset protection system I need to set up to protect the rest such as (DSTs, LLCs, SLLCs, Asset Protection Trust domestic or foreign,)An exemption is a legal right under Federal or State Law to have certain assets unavailable to creditors under any circumstances.

Frankly, I would be surprised if a real estate agency would want to hold rent properties in the same entity as their brokerage business.I couldn't say whether the properties are owned by the same legal entity, but the agencies have said point blank that they own properties in the same city as their agency business (distinct from the same agencies' property management businesses which they also do).

I'd talk w/them and get a feel for their circumstances if they talk freely but I would not pry. 

If you have a high DTI ratio because of the student loans, you can still qualify with up to 56.99% back end DTI on an FHA loan. 15% down will not be enough for a DCSR or Hard Money loan based on your circumstances.