If I have plans to remove or relocate a wall, I’ll identify which direction the floor joists are running to determine whether or not its load bearing.

In this example current debt plus 1/2 rent would be 39.6%As far as the boat goes, maybe down the road we can let the boat in for a fee. 

I don't know how these firms could identify a rent payment versus any other payment.Is there any information available on how that will be represented on a tax return?

If you can identify and categorize all your expenses to do your taxes at the end of the year, it doesn't matter if you use just one credit or a many of them. 

I'm currently in a refinance road block.  

I am guessing you will rehab and either sell or refinance it, so paying cash just makes it cleaner and easier down the road.

Which of the 2 would have the better impact on my DTI down the road?

There tend to be and are usually more moving parts than one thinks about when getting into the deal and $1K-$2,500 is a better cost than what could happen if one partner changes their mind down the road.

If later down the road you have a title issue that is anterior to the transfer, your LLC can 'sue' you, and you in turn can go back to your original title insurance.

Trying to keep a fire secret could lead to penalties down the road.