The entire reason I hired a company is they are the experts and I expect them to take full accountability of making sure I am in the know and 100% compliant.

So once you invest, you're added to the operating agreement of the company and you would now own a percentage of the company's assets - in this case it would include homeowner payments, bank accounts, REO's/properties, as well as all of the notes in the fund.The biggest risk of any fund investment is that you could lose some or all of your investment principle if the company were to go out of business.

Remember you are using debt to make this investment, not reserves  sitting in your bank account so I recommend a more conservative investment approach. 

Credit scores are made up of many factors, one is the utilization of an account vs its credit limit.

You probably had a little tickle in your moral compass which gave you pause, which is why you reached out.My wife is an accountant, when we look for every possible tax break it doesn't feel like theft, we feel accomplished to find a place for more savings and lose zero sleep over it.

Here, once you have an account and a bit of lending experience, you can access the online, fill-in-the-blank templates to create your own set of documents. 

Eric,They are using rules that take those into account.

However, after running the numbers accounting for insurance, PMI, taxes, vacancy, capX, property manager, etc. the property is estimated -1.85% cash on cash return (-$600/mo) once I fully rent the property.

Good for your account in theory, but you really need to understand what is driving that cal rate for that area before purchasing a property.

This means 20-25% for a down payment, and it has to be your money that you're using (verifiably in an account that belongs to you).Though there are programs that lend up to 90/100 to first-time investors, those programs usually don't work in Maine due to the rural nature.