A multi-single member LLC in Wyoming seems a very odd choice unless you mean a Series, but that will still get each Child Series (as with all Series) subject to the $800 minimum a year Franchise Tax.The only irrevocable trust would be one for your Primary & secondary residence - but then it is expensive to break that, you have to figure out your life expectancy to anticipate the trust ending before the end of your life to get any tax advantages and the QPRT no longer has the incredible tax advantages it used to (though it might in 2026 when/if it reverts back to the old structure) since the sweeping changes of the Tax Cuts and Jobs Act (TCJA) in 2017. 

Most hard money lenders do want to take a look at your credit but most will take a more common sense approach, focusing more on the credit report than on the credit score. 

When I ask for her income and credit score:$15,000/yr and no credit.

We have no other debt, our credit scores are over 780, and we have the income and assets to qualify.

It has very high liveability scores, high selling homes, and the best schools in the area.

This will be interesting to see how it impacts tenant evaluations compared to the previous method.https://www.cnbc.com/2020/01/23/fico-10-credit-score-changes.htmlYour thoughts...

Reduce debt, improve your credit score. 7.

I got a 670 credit score and about 20k saved up .

You might think it's incredible but a leasing broker might think the A is a C compared to other possible sites in the area.

https://www.wsj.com/articles/fico-changes-could-lower-your-credit-score-11579780800?