I am looking for a place to house hack and looking for income properties! 

Even for flips/brokerage/wholesaling - there is minimal benefit in many cases to an S-Corp over just being a LLC subject to self employment tax, but getting the benefit of a 199A Qualified Business Income Deduction.Effectively all structures have very similar, if not identical, tax results. 

Pants on fire made up a fantasy about income, fully knew about tax lien for a year or more.

If i were to get into say duplex, the rent I make off the other side would be counted as income to help me secure the property.

In the instance that the corporate veil be pierced on one LLC, any properties within that LLC would be open to target.

We are typical W2 workers in corporate America (at least for now).

If you're curious about the loan process, you could start by looking at a company called Commercial Loan Corporation, who often specializes in loans to irrevocable trusts and is very familiar with the loans in regards to the property tax savings; my recollection is that they have some marketing materials on their website.

We have been making steady rental income on this for over 10 years and about ready to 1031 it.

You want the limited liability protection of a LLC, you have to use commercial, i.e. non-residential, financing.Your corporate veil is a legal issue, not an accounting or financing issue. 

First, LLC don't have shares, they have membership interest.Second, your heirs get the step up basis at the time of your death, you just need to have proper documentation or appraisal to show the current value of your LLC at that time.Third, even with shares of corporation you get the step up basis (like your brokerage account).But anything transferred before your death, LLC or not does not get step up basis.