The LLC question is really one that ought to be ironed out with an attorney who can assess your overall asset protection needs.

Experian, Equifax, & Trans Union - mortgage lenders pull all 3 (as opposed to for a car loan, where they may just pull 1)Here's an article on how inquiries affect you by Experian:https://www.experian.com/blogs/ask-experian/credit-education/report-basics/hard-vs-soft-inquiries-on-your-credit-report/#:~:text=This%20type%20of%20inquiry%20appears,not%20impact%20your%20credit%20scores.According to Experian, you are entitled to one free copy of your credit report from each of the three bureaus every 12 months.https://www.experian.com/blogs/ask-experian/credit-education/report-basics/my-credit-report/Experian will give you 1 free for yourself here on their own site: https://www.experian.com/consumer-products/free-credit-report.htmlIf you have a hard copy of your credit reports today, & the scores go down a bit later you can show that EVERYTHING but the inquiries are substantially the same (assuming you're still paying all your bills on time, which you will be).  

Their product has effectively been frozen for the past several years after, ironically, some fairly major investment that appears to have caused product development to go on a multi-year vacation. 

Would it consume cash you might need to invest later?  

If the bad/consumer debt is higher than about 2-3% interest, I would recommend paying that down first as inflation rates are generally at about 2%.

Hey @Wesley Copeland I used to finance some of that yellow iron that you haul around around to jobsites. 

Also if you decide to go with your original version, I would recommend first asking actual consumers, not agents, what they think is best.

That depends on several factors like how common Section 8 is, their caseload, COVID, the economy, etc.I stopped accepting Section 8 because the paperwork is ridiculously time-consuming for me as a Landlord with little benefit and the process takes two months.

Of course I think many of them, but I don't think the average consumer is going to be happy with calling people who never stepped in the house.

The photos can and should show action, not just static pics, and as things are getting competitive again lazy listers will be punished and those of us who put in effort for consumer psychology will stand out.