if you are just starting off, forget about creating entities. don’t complicate your life until there is a good reason to do so. once you have a couple deals under your belt, and you know you ae in REI for the long haul, then consult with local counsel and determine the optimal arrangement in Utah (or wherever you do biz).
one more thing: don’t take generic advice about entities. every state is different.
im guessing your starting out over your head. your business idea sounds fine, but when you try to do your financing and things through your entity that is newly created your gonna have issues.
im guessing youll start the entity, have issues getting things accomplished then decide to just do the deals in your own name. the entity is great for creative deals, but on conventional types, youll have a harder time getting things accomplished.
The attorney would be the best bet, don’t worry about paying for him/her if they are good at what they do. If you do it over the internet you are pretty much stuck with your choices, at least if you go to an attorney you could work out all the legal details of your new entity. The attorney can help you structure your assets in a way that almost zeros out your personal liability. So as long as they are good (references, Interview them)and you are a fit they would be better than an online agencey.