How do I do this properly?

[Bill B.]

Hello,

Thanks in advance for reading this and any help you may provide.

I am a note investor.  We have one note in Ohio.  We initiated FC.  However, the borrower, just Friday, wired $5K and begins making $913 payments monthly starting 4/1/15.  (all payments are being handled by the a licensed servicing company) This is beginning our forbearance period.  If the borrower performs, we will negotiate a modification.   I can't adequately describe how gratifying it is to help someone keep their home.  The communications from the borrower to the servicing company are filled with thanks and gratitude.  The icing on the cake is that we stand are projected to make a forty percent return on our investment.  That will be in just over a year, if all goes well.  

We're doing the happy dance. 

This, obviously, has wet my appetite for "more".  I want to jump start this and start dealing with small pools of three to ten NPNs.  I come from a family of modest means.  So, I can't approach them.  Even if I did, the most significant resources in that area are prohibited to me by federal law.  

So, I'm contemplating HML. BUT, I am not afraid to admit that I don't know what I don't know. I understand how the HML lender would be on title, that there are points and higher interest involved, etc, etc. I just want to be certain that I am not approaching HML companies and asking that they violate some law of which I'm not aware. I don't want to make my first contacts with this industry make me look like a complete dolt.

Also, can anyone point me toward an HML willing to loan to a relative newbie for investing in NPN? I have several that I plan to contact, but the faster I ramp this up, the faster I can start reviewing NPN portfolios to purchase.

As usual, a lot of background and a short question.  

Sorry for not being more concise.  

Any help/insight is most appreciated.

Bill