None of the three met my criteria (one failing on credit, income AND background), one lied about income, and one couldn't prove income.  

So to recap, in my pretty house model, doing a wall to wall rehab, all floors, kitchen baths, walls will allow me to set a record on the rents, and when it comes time to advertise I attract the tenant with the higher credit/income and  I would like to add that in March I closed on a SFR in Embassy Hills Port Richey for $51,000 A 2/1/1, 1100 SF.   

I'm bringing the 20% cash down but no credit rating /external cash flow and they are bringing a credit rating and full time job - ie the loan.  

My first submission I used up this appraisal credit only to be shot down.

You could potentially be liable as an individual, without the protection of a corporation/LLC, and without the benefit of insurance coverage.  

With respect, private money is not a commodity item like a book or laptop that you can buy online, and perhaps enjoy the protection of a credit card.

The information available is amazing, but also very overwhelming and I am not sure where to start.I'm currently in some credit card and student loan debt and looking for advice on whether it's smarter to get more in debt to be able to start with flipping/house hacking sooner, or to continue to read for the year and a half to two years or more it will take me to get rid of my debt and save enough for a down payment.  

I won't need the LLC anymore, and it seems to me the LLC would offer the buyer the following benefits:- Seemless transfer from the standpoint of the tenants.

What HUD lists as FMR and what your local Housing Authority will determine as rent reimbursement based on number of bedrooms can vary WIDELY (and often not to the landlords benefit).For example, HUD's FMR for a 3 bedroom unit for 2016 in my county is $997. 

Don't know if it is best to Refinance or do a Home Equity Line of Credit.