When you refinance, banks look at your property's value, not your personal credit.

I personally wish I could go back in time and do some house hacking! 

What I'm trying to say is that I recommed giving us more details or if you don't want to put personal info on the internet find a in-person tax professional or accountant who is familiar with rental property taxation to determine your eligibility for deducting rental losses and ensure that you're compliant with tax regulations.

Was looking at DSCR so it was easier than compiling so much info on our personal finances. 

I personally don’t like installment sale contracts or contracts for deeds, especially over long periods of time.

It’s frustrating to them and agents because they waited to ask in person questions to an agent who cannot answer them. 

Personally, I just post on line the rental thats available and see who replies just to see if its needed in that area before I purchase 

Figure out the best medium in which you meet these folks (in person, LinkedIn, networking groups etc)4.

We have monthly in-person meetups in New Jersey for when you are in town.

Should I create an LLC at this point to protect my personal assets and tax planning?