By asking questions, the concept of I/O became more clear to me and it opened my eyes to the great benefits of I/O. 

Looking forward to the passive income but also to the tax benefits

I am not 100% certain of/if there is any tax benefit(s) but given my plan to hold forever it seems like having everything under one umbrella makes the most sense in the long term.

This will maximize the tax benefits available to you.

Whenever I speak to one, they say they can't give me any quote without pulling credit.

An additional benefit of a detailed engineering-based Cost Segregation Study is that it can increase potential insurance premium savings as well as provide support for the property tax appeals process.

Wondering if anyone can suggest how I can get out of my hard money while currently my credit is very low.

By clarifying how assets are depreciated, we may provide considerable tax benefits to our investors.

Unfortunately, even though my DTI and credit score was good, the underwriting was not so good because I had gone through a debt consolidation program not too long ago which, as some may know, requires you to stop payment on debt for a period of time.

Let it sit on their credit and prevent them from cheating another landlord.