@Dan Heuschele such a detailed and helpful insight on honing in on the most effective types of meet-ups. just getting started on my journey and excited to learn more. thank you for sharing!

I would venture to guess since you are especially concerned with this and not optimistic about your ability to obtain a loan based on personal income or qualifications, an LLC is a good fit.A word of caution:  the only way an LLC is effective in limiting the liability that it is intended to limit is when the operator operates it like a business. 

@Christopher Brown the question of legal entity is (obviously) a legal question, and if you're going to do real estate you'll need to form a relationship with a real estate attorney anyway, so I'd recommend you find a good real estate attorney (I can recommend a few in RI if you don't know any) and ask her/him.As a "general rule", for an active business with earned income such as wholesaling, an S corporation (either an actual corporation or LLC taxed as an S-corp) is commonly recommended, and a flow-through entity such as a single member LLC, partnership LLC or trust is commonly recommended for holding rental properties (rental income).There are subtleties between the right entity for legal protection, and for tax effectiveness, and the right answer for you and your situation might not be the right answer for someone else, so it's really a good idea to consult with an attorney and tax advisor about your specific situation and plans.

Remember the forbearance won’t effect your credit, well it won’t from a score perspective, but it will when underwriting gets it.If you find a good deal in any market or economy jump on it.  

Effectively losing one rental but gaining two more (would move out of my current house with ADU and have it 100% rented).A driving factor is how will selling this asset accelerate you to your next goal? 

Could you elaborate on "principal reduction" and how it effects the bottom line?

If you do not mind me asking, how much would this trend effect your personal decision to invest in this neck of the woods?

So you may be able to save more money for retirement, but not get the deduction.https://www.irs.gov/retirement-plans/plan-participant-employee/2020-ira-contribution-and-deduction-limits-effect-of-modified-agi-on-deductible-contributions-if-you-are-covered-by-a-retirement-plan-at-work

They have consistently provided us with smooth, efficient and time effective closings as well as title searches.

That makes an outreach program effective.