advice for new private lender

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I am thinking of acting as a private lender and wanted some advice.  From what I've seen, it seems like I will be acting as the second deed of trust.  What should I be doing?  Do I consult a lawyer?  What kind of background check do you do?  Most of the borrowers come from the bigger pocket community.  Is there a place that I can check up on who as a bad or good reputation?  What returns should I be expecting?