I purchased and completed a rehab but the inspector only required the room with damage, because others not affected...  

Prorated, that's 1.25%/month.If I reinvest my returns every month as I get them, That's still only a 16% returnIf I use that same $100k in a property, flip it, make 15% profit over the course of 4 months, and repeat it two more times, I'd have over $152k...I've made 45% return on it.If I reinvest my returns after every flip, I end up making over 52% returns.If I hold them, it gets even better.

Oregon has a very easy LLC forming process, my question is, if I form an LLC to begin the application process to acquire a loan, will my personal taxes be negatively affected this year?

Also, how did the crash affect your business and how well have you bounced back?

I plan to Buy, Rehab, Refinance, Rent, and Repeat (BRRRR) by using hard money.

How would this affect going after property?

When working for my clients as an agent, I am motived by their promise of loyalty and repeat business.

Repeatedly.

For everyone that leaves, I now have units that I can turnover, bring up to speed and put back on the market at or above market rates.Lather, Rinse, Repeat until the entire building is at market. 

So your DTI shouldn't be affected by the credit card debt