Sounds like its a $4k tax planning fee and then they do your taxes as well for an additional fee. 

Keep in mind that any traditional lender will have rules and limits for how much the seller can finance in addition to their own loan, so unfortunately it's not possible to combine the two for 100% financing or anything close.John

This would reduce the capital basis for that individual in the LLC but will not be considered taxable income.

This could be through finding ways to increase the rent on your existing properties, taking on additional work, or finding other income streams.Reducing your current debt levels can also improve your DTI ratio.Improve Your Credit Score.Look into various financial institutions, including community banks, credit unions, and online lenders, which may have different criteria or offer programs for investors.Since portfolio lenders retain their loans in their own portfolios rather than selling them on the secondary market, they are able to provide greater flexibility.

Additionally, your wife's citizenship status should not impact your qualification for the exemption as long as she is a resident alien with a valid Social Security number.

It was sufficient for its purpose but will not provide me with any additional equity with the bank down the road to be used as leverage for the future.

Should I agree to this so I can make some additional income, or is this opening a can of worms that I don't want to open? 

Because I have reduced my expenses to less than 500 a month, and enjoy a more frugal lifestyle as it is, I am content pooling all available income to real estate, in order to accelerate this process. 

In addition to identifying owner-financed homes, they can negotiate better interest rates and terms with the seller and assist you in completing the transaction.

They specialize in quick and fast loans that will come with credit card like interest rates.Here are some additional tips for securing the best mortgage rate for your investment property:Build a strong credit profileSave for a larger down paymentShop around for lendersConsider different loan typesDemonstrate a stable IncomeChoose the right propertyBuild a relationship with the lenderBe prepared with documentationConsider interest rate buydownsMonitor interest rates