They don't reflect on personal credit. 

If anyone is on a tight deadline, I would definite suggest going down in person.

I'm a Realtor with Realized Properties in Houston.

There's a ton of information available on these forums if you're ever unsure about anything, take a look around, chances are another person has encountered the same issues and share their experiences on here.

However, he (you) should keep it "clean" and not also use it for personal reasons.

or do you have personal experience with any ? 

I do recommend a cap and you can also have thermostats with upper and lower limits so one person can't set it to 80,  put those limits in the lease. 

But there’s an Encumbrances that was posted by TD Bank, by my research was either personal loan or business loan default.

Talk with your tax person or a 1031 Intermediary.  1031 must be land to land. 

I am located in Jax Florida and use my realtor license for personal deals and occasionally help others.