Health of the nation is by far the most important thing, and we all need to not touch things, stay away from other humans for atleast a month and be very careful about any groceries we bring into house to keep the impact of the corona virus down relative to places like Italy. 

I'm trying to determine if I'll need to stop putting my rent on my CC 3 months prior to applying for financing or shifting around how I pay for my monthly living costs.I know in commercial lending the asset is used for determination of loan issuance more than the individual purchasing the asset, being that residential is more about the purchaser I was curious to what extent my current debt handling would impact me.

This rating impacts what the bank can borrow money for and dramatically impacts the bank's rating.

It has made a huge impact in my life and business!

In real terms you could be looking at spending less than $500 (after tax impact) to take a swing at saving a bunch more. 

The timing is important because they may count your current rent against you in your DTI Ratio as well which would negatively impact your options.

An entity shouldn't impact your for tax reasons, as you'd likely choose a structure for liability protection which would only be a pass through entity for taxes. 

Chris, good to see you on the forum...we could use more of you here.Here are the technical accounting answers:Capital gains - income on P&LFlip profits - income on P&LRefinance proceeds - increase to Cash and Debt on your Balance Sheet (no P&L impact)Purchased equity - no impact to financial statementsPrincipal pay down - decrease to Cash and Debt on your Balance SheetCap Ex - decrease to Cash, increase to Assets (which are depreciated over their useful into the P&L)This will give you an accurate set of books. 

Our show of solidarity is having an impact, but we need people emailing their legislators and the committee members proposing these damaging bills.  

The reality is that most new investors do self-manage and you could 'potentially' save money doing it but the other real reality is that most that do self-manage are not able to scale with any real impact and are only trading more expensive time for money - they just don't know it yet.