Otherwise it couldn’t be free and clear and you would not be able to purchase it.  

When the leading question on their website is "Why to choose" when they mean "Why choose" probably a good sign there is something wrong there.Why to choose between great rates and great customer service?

Especially because in 10 years, if you need cash, you could consider a cash out refi, the tenants pay the mortgage, and you just got money tax free. 

As mentioned before, please feel free to reach out to an investor friendly CPA to help with your tax situation.

@Camille Sola IsabellYou can buy the Illinois Residential Lease here https://www.biggerpockets.com/landlord-formsYou can get this for free if you have a Pro annual membership. 

On the other hand, a 25% cut is too high, considering what she does is what a broker should do; she doesn't provide me with any leads.

So, effectively getting some of the profit tax free. 

See here: https://www.biggerpockets.com/smarterA good place to start is with the free guides, such as "The Ultimate Beginner's Guide To Real Estate Investing".

@Patrick HancockLLC's are not free and there are costs associated with LLC1) Formation costs - potential attorney fees and setup fees with the state2) Registered agent fees if the LLC is not in the state that you operate out of3) Annual fees to keep LLC active4) Bank feesThere are also additional administrative burdens with having so many LLC's.

Feel free to message me and I can point you in the direction of a few other options.