He CAN pay you a referral fee if you send him a real estate client that he completes a transaction with in his real estate licensee capacity.

Currently I have the capacity to take on properties that have an ARV of 180K approximately.

The advantage of the SBA financing is that you will only have to bring 10% to the table, but you will also have to show with the existing building and your Adjusted Gross income that you have the capacity to pay for the new debt. 

If you have a partnership structure or some other facts and circumstances around the loan that indicate you are extending it in the capacity of a trade or business, it will be considered ordinary income.Keep in mind that the tax rates will not differ between ordinary and passive income unless you sell the loan for a gain/loss.

My constraints are that I am only 24 and do not have any previous lending history nearly to this capacity, as well as having limited knowledge on how to structure these deals with subdivisions.

The best advice I can offer is not to charge an extra guest fee if the number of guests is at or below your maximum capacity.

For the better part of two decades I've been involved in real estate in some capacity including but not limited to: mortgage & real estate broker, developer, project manager, STR owner/operator/manager, international investor and beyond. 

@Paul Florez - Would you consider a partner in some capacity?

Oil Refining Capacity transfers through the Port of Mobile, which ranks the port as 10th in the U.S. for imports and total foreign trade, with a $10 billion impact on the local economy.- Walmart has just opened up a brand new distribution center consisting of 2.6 million square feet, and provides more than 750 new jobs.Economic Information -The City of Mobile has seen extensive revitalization and tremendous economic growth:Business/Corporate Sector- Construction of a new Airbus jet assembly line at the Mobile Aeroplex at Brookley should move forward rapidly during the coming year.

I am curious in what capacity you are looking to invest with them?