My family has a family farm consisting of 3 parcels of land. 2 parcels are owned free and clear.

From a servicing and reporting perspective - if the lender does not report to credit and they REQUIRE an LLC to fund, then the parent servicing entity most likely will keep your business/investment loans separate from personal credit.

I've witnessed decreased credit scores, rising credit balances, and stricter underwriter guidelines.

It happens on just about any large free money program. 

Or also tax planning, specialty tax credits, etc.? 

A good mortgage broker makes sure to prescreen the client to fit the lender's credit box.

If you have any lending related questions, always feel free to lean on me for help!

Home Equity Line of Credit (HELOC): If you already own a home with some equity built up, a HELOC can be a fantastic option.

Start with BiggerPockets Ultimate Beginners Guide (free).

, and sort out your money matters (check your credit, save for down payment).