“We’re also seeing creative land plans that provide common area open space to offset smaller lot and home sizes.

I am opening up an LLC for my wife and I to use in real estate investing.

The individuals that make up the BP community is one of the many reasons I committed to BiggerPockets.I am open to all recommendations and advice regarding real estate investing.

Thanks in advance, and I’m always open to network just in general

I really feel like one option is for me to open up a new checking and savings account in my name and handle all money through this account.

If you want to open up your deal to non-accredited investors (investors with less than $1M net-worth excluding primary residence), there are very strict non-solicitation rules that would apply, to which your original post would probably disqualify you for.So, now you're left with an SEC 506(c) offering, which allows you to solicit accredited investors (net-worth of $1M and above), or taking general only partners, who have actual active roles with decision making power.If you're still want to take passive investors, you definitely want to talk with a good SEC attorney!

If the PM is slow on letting your contractor in is it because they are not making money opening doors?  

That being said, after conducting various analysis, I am realizing that even if we pay down almost all of our debt (which should be within the next month or so) our credit score would still not increase drastically because we do not have a lot of credit lines open and/or closed and our credit history is relatively young (an average of 5 years between all four credit cards).

That’s an open question you’ll most probably get many different answers to.

As the owner you are always open to a liability claim, that is why we have insurance.