You will NOT save any money by operating with an LLC, indeed there are startup & operating costs involved (not large), which means having an LLC will actually cost you more than not having one (outside of any liability related issues).

great  question ...student loans are  tricky  .....depending on the  type of student loan you have  and the loan program you might use - the loan underwriting  may vary  based on what payment is  used  for  qualifying  purposes .....if your payment  you make  on the loan is a fixed/ constant amount and if its a  fully amortized amount for the loan  and  if this amount appears on your credit report - more than likley  this is the amount that will be used in your  qualifying ( debt/ income )  ratios ........if this isn't the  case - the lenders may use  1% of the  loan amt ( which  could be higher that the actual payment you make ) ...............get in touch  with a lender / loan officer ...get pre approved  so you know how this  is treated   ..this process is  free and  should be relatively easy .....by doing this  you will answer many of your own questions ...I hope this  helps

I just realized that we have the 1960's, old school, tubs with the obnoxious curves on each end (pic related). 

They trust you as a person, relative, etc.

Therefore, the unit itself is fairly relatively new and in good shape (water heater, furnace, and appliances are from 2009).

Whenever I hearSee here is the thingWell actually....The management company...Can you work with me on the depositCan you make this one exception this one time .....I know I will relatively quickly be in a long “ why things are the way they are for me ” story induced coma. 

As someone who grew up in a different culture and only moved to the USA at a college age, I can related to some of the issues.

I assume you and James Woodrich are related?

Where specifically your job is located in the DC metro area is important relative to the length of your commute and how much you’ll hate your life and what neighborhoods to look at.  

I am looking to connect with a CPA in the Buffalo, NY area that specializes in the tax laws and strategies relating to real estate.