Check the local banks and credit unions. 25 year amortization is more typical for a loan that size so I would make sure 30 yr am is accurate.

My experience with commercial loans in NJ, has been no personal guarantee, because the lender looks mostly at the income potential of the property vs. the business (LLC) or even the owners personal credit/assets...

If they are just doing the books and preparing data that you and your partners will use for decision making, I don't see why it couldn't be a bookkeeper.

Let's say that I want to get a mortgage credit certificate (MCC) on a home that I am going to live in. 

Shop around to local/regional banks and credit unions.

I am currently searching for my first deal and would like to be as prepared as possible when its time to go look at a property

I had a similar situation; after calling most major banks/lenders, and getting "no actuary will every approve that," I was able to work it out with a local Credit Union. 

I am preparing to take hold of a property .

We thought about using credit cards to fund the renovations but don’t want to risk damaging our credit score to do so.

A Payment Schedule should outline Payment Milestones, Amounts & Terms which describe the work that needs to be completed in order for the Contractor to get paid, how much the Contractor gets paid, and when the Contractor gets paid.Form W-9You will need to get a W-9 from the Contractor so you have the Contractor's Name, Address & Taxpayer Identification number which will be used for preparing Vendor 1099s for your Contractors at tax time.Proof of InsuranceBefore hiring a Contractor you need to make sure that the Contractor is carrying the proper insurance to protect your property, investments & personal assets.