. -- 100% of it flows through to Line 17 of your 1040 as income as soon as your S-Corp earns it.The decision on how much to pay yourself only serves to determine how much of the income you pay self-employment taxes on and how much is a distribution not subject to self-employment taxes.  

What are the advantages/disadvantages of a HELOC vs business credit cards with 0 interest for employing BRRRR for growing RE portfolio?

If so, below are general considerations: If you are self-employed with no full-time w-2 employees, you can set up a Solo 401k & rollover funds from a non-Roth IRA as a tax-free direct rollover and then invest in real estate.Solo 401k vs.

(I personally don't want to be stuck in a car for 2 hours a day)  If you're self-employed or can work from home, all the better.

Question: With my employment status, and financial position, what options do I have?

I'd look at population growth, economic drivers, diversity of employment, landlord friendliness, etc. 

My wife and I are going to be moving to SD from LA next year, employing our strategy. 

But, have you considered you will pay self-employment tax on that in April 2021? 

Not so today, but not too far away either...The biggest differences:Conventional - typically a lower rate, no prepayment penalties, backed by the government or agency, DTI, Income, restrictions on property types, restrictions on # of properties owned, require passing AUS, can be difficult for Self-Employed, and heavy Underwriting guidelines.DSCR - higher rate (normally), prepayment penalties with various structures, backed by private investors or capital funds groups, about 1/3 of the paperwork, very laxed Underwriting guidelines, usually no restrictions on # of properties owned, no DTI calcs, no Income calcs, no massive amount of TRID disclosures, etc...Cost-wise (fees and such, not rate), they are very similar. 

Can I employ some sort of a personal advisor to understand if I should buy a house or not?