Quote from @Joel Oh: Your business must make money day 1.It is so much more difficult to fix the model that is not making money than starting a new business that makes money day 1. 

This can put a significant strain on your finances and cash flowThey also often require a large down payment themselves and may have a strict repayment schedule that can be difficult to meet, especially if there are unforeseen circumstances or delays in renting the property or generating income from itIn addition, relying on this type of loan may expose you to higher financial stress and the possibility of default if you are unable to meet your loan obligationsThe final decision depends on your overall financial situation, risk tolerance, and your ability to manage the associated costs and obligations

I am guessing stricter privacy laws can make this difficult.

Is it more difficult to get a loan on a rental property?

Depending on the size and how difficult it may be to get to it, I've paid about $5-8k.

CA probate laws can be very difficult and costly.

I think it's probably less common here but I've often wondered about how difficult it would be to convert a detached garage, etc. on a property from a legal standpoint.

I put quotes because its simple but many people make it more difficult.

You could have 10 of these, and they get progressively difficult.  

The agents are charged for this service no matter what so it's difficult for the agent to service from a time and financial perspective.