Most people forget to factor incentives and bargaining into the new/old/buy/lease argument. I've leased new cars that cost less than the depreciation on a purchase. You can also buy a used car for an exorbitant amount, spending more than new.
Have you thought about applying for medicaid? As far as I understand they cover all your medical expenses, as long as you're making below a certain amount per year?
Why not hire a cheap overseas developer to create v1? It will cost you a grand or two, but will allow you to test your idea for little capital. You can always rebuild v2 with a reputable dev shop or freelance team.
SEEKING FREELANCER: Looking to build a complicated mobile and web app that run in conjunction. OK with remote, solo freelancer, or team. Seeking developer that can handle complex problems. Please reply to email in profile.
2. My understanding of the law is if you have no employees in the state and no office, you're location-less. I believe you can incorporate anywhere you want. You dont even need a physical address in the state, use a registered agent.
4. Get a separate bank account. All you need is articles of incorporation and a tax ID.
5. IMHO any time you're taking money, protect your ASSets and incorporate.
FYI - Don't hire a lawyer to incorporate for you. Download the files and mail them yourself. Its sooo easy, takes 5 minutes.
Incorporate before you take a single dollar from a customer. It's not expensive if you don't use a filing service, only a couple hundred bucks. Regarding an entity type, investors will like to invest in a Corporation as opposed to an LLC. You could create an LLC and change it to a Corp, but it might be easier to file for a Corp straight away.
Regarding the filing state, best to consult a lawyer. Many companies file in DE solely for liability purposes, a lawyer will be able to gauge your risk for lawsuits.
I'll personally file all the paperwork myself, it takes under 10 minutes to write everything out. I don't get why people pay a company to do it?