LLC, S-Corp, etc) that files a tax return or do you own it in your personal name and report rental income on IRS Schedule E? 

That means more expensive and less profitable and, personally, I wouldn't invest there because of the sargassum issue but you might care less about it because of the lifestyle component in your case.4.

What does that have to do with a personal refi loan in my name?

You got bad advice from your prior accountant.You received rental income and it should have been reported.it seems like maybe he was lazy and/or doesn't understand rental concepts.The only exception is if he is paying 'under-market' for rent in which case the property would be considered personal use.I would fix the issue and charge him market rent. 

I have a Series LLC I use to collect income for my consulting business, but the income goes to my personal checking account.

Check out my personal favorite, Set For Life by Scott Trench , or The Total Money Makeover by Dave Ramsey.3.

"My name is Isaiah, I am a local investor looking to start my investing journey and have started by identifying some properties with long-time owners with good equity.

I do agree that you need to go in person to see what is going on.

My husband and I decided to invest in real estate together and are very excited for our journey.

posters, but what you really need is a spring of internal confidence that continues with you on the journey.