And RealtyMogul and Fundrise don't currently offer deals that meet my personal criteria (of sponsors who have at least a full ballistic cycle of experience with little to no money lost, low leverage, fixed-rate deals, sponsors that put high skin in the game, don't take inordinate compensation etc.).

From a servicing and reporting perspective - if the lender does not report to credit and they REQUIRE an LLC to fund, then the parent servicing entity most likely will keep your business/investment loans separate from personal credit.

I need to fix the garage, garbage disposal, and there's possibly mold in the attic (don't know how true this is since the guy who cleared my vents was getting me to purchase his service for $2k).

If you want your LLC to be respected for liability purposes, it should have an operating agreement, bank account (so an EIN) (this will also require disclosures to the bank on your identity), and for you to full respect it as a separate entity from yourself. 

Owners mistakenly ASSUME all PMCs offer the exact SAME SERVICES and PERFORM those services EXACTLY THE SAME WAY, so price is the only differentiator – so, they often select the first PMC they call or that calls them back!

One product is full doc and the other is limited doc .

From my understanding, properties purchased before 9/27/2017, and placed in service after 2020, are not eligible for bonus depreciation.

You don't need a full shot of the bathroom sink. 

Many sellers will entertain a higher (or full priced) financed offer to purchase with a Pre Approval letter, since it alleviates some of the unknown variables. 

Do you still hold a full time job?