If you just want to sell a contract then your ads should say "Selling a 3 page contract on white letter paper with Ariel font and signed by 2 parties".Besides lets be honest getting a license is not rocket science or even really time consuming.

It looks like adding homes may be where there may be some potential, but that also consumes cash.  

Consumer credit is much more automated in that they have a minimum FICO score or other triggers that might cause a denial.

Just trying to get established and organized, it's so much information to consume!

Again this isn't a credit inquiry story, it's about the rapidity with which you are taking on actual debt, relative to having payment history on that debt, which is ZERO on-time payments until you've made that first payment and 1-30 days later the credit report updates to reflect that.In general I do notice that you're worried about credit inquiries like a normal consumer, and not worried about "will the mortgage actually close, and close on time," which is what experienced real estate investors know from experience to worry about.

@Amaury Rodriguez - without knowing exactly what you told the tax professional and/or what they are including in the quote, it's hard to say whether or not the pricing is reasonable.If they're doing bookkeeping or detailed amortization schedules, then it is time consuming work and is not only costly, but could save you money.If they are just taking the numbers you give them and plugging them into the correct form and mailing to the IRS, then that seems very steep.There are many knowledgeable CPA's on this site that work with clients remotely, I'd suggest reaching out to a couple of them as well as a couple more non-BP CPA's with RE experience and see what clicks.  

In building our foundation we paid off all consumer debt and had a emergency fund of 15k before we started.

As I’m sure you are well aware of, managing a property and its tenants is a tough and time consuming job.

If you feel that there was enough of an issue here to file a complaint formally then file the complaint with the Consumer Financial Protection Bureau. 

You can not leave it there otherwise it will devour your cash flow and leave you unable to move forward with other investment opportunities.A property having 85K in equity will consume the first $700/month of your rental income.