I'm attempting to put it under an LLC or something to decrease my personal DTI because this property's at a 0.98 ratio.

Phil Hardway If you don’t see any appreciation, you might at least see decreased vacancy rates.

a home recently valued at $1,000,000 could decrease $100,000, $300,000, $400,000, well maybe 5 or $600,000.

I feel it is performative, because -they waited till now (which is when they should be giving 30 days' notice to hosts) to file this suit which essentially gives them some time to announce to hosts (on Tuesday) thereby decreasing the amount of time of dealing with the pushback)- they are going after privacy and complication (which can be resolved without reversing the law-they were VERY active during the comment period and got changes like a safe harbor to cover themselves added to the final law-they have been radio silent with NYC hosts directly and indirectly  about precise questions regarding dates and what happens to bookings already in placeThere might be a delay to enforcement, but a delay is still a loss (and potentially more significant liability for hosts)Again, the enforcement is multi-vectored. 

Looking for a way to decrease my living expenses, invest for my future, and live comfortably on a teacher's salary.

We are also considering because we love it there but also saw the area has become saturated and decreased bookings.

I know leverage is typically the recommendation but why not buy all cash if possible and leverage the equity for future properties when and if rates decrease?  

Most of the cities im looking in like Elgin, Aurora, St.Charles ETC are decreasing about 0.5% YOY.

It does decrease the usability of the land but it may still be developable property.

In 2018 there was an overall 3% decrease in new construction permits year over year but a 2% increase in renovation permits (excluding porches).