Bob find a different attorney.There are attorneys who only know about vanilla real estate deals and transactions.Then there are attorneys who specialize in business transactions and also exotic structures and owner finance strategies.Clearly you either explained what you were doing to them in a wrong way or they do not have the knowledge to make an accurate statement.One of my pet peeves is people answering a question when they do not know the answer and "winging it" to make themselves look better.I find more power in telling people I do not know but I will try and find out.You can't know everything but you can spend your life trying to improve and be authentic.

Get paystubs and verify authenticity of them.

Some situational pressures are a somewhat wobbly rental market due to economic conditions (Nike/Intel layoffs). 

Just like Nike is offered by multiple companies, KFN is offered by a few companies as well.

When challenges arise, it can be hard to remember how many AMAZING moments there are in Real Estate. It's so much more than the deals we close. When I entered the SFR space. I expected to remember & be proud of al...

After about 2 yrs, I finally overcame my fears and had the mindset of the Nike slogan, Just Do It.

That said my STR is not somewhere that a cozy authentic wood fire would be expected.

That will be authentic, and may work better than computer-generated mail.And the guy who runs yellowLetters.com, Michael Quarles, I find to be very sharp.

"They are intrigued" There are lots of authentic mail pieces you can use including stationery, that has choices of return labels, or hand-written. 

I actually don't like middleman banks almost as much as I don't like middleman property managers. lolIn this day in age, I should be able to have access to my money whenever I want, without jumping through hoops: two-factor authentication, giving my SSN, DOB, address, verifying over the phone, etc.