Correspondingly, only the owner takes a hit if they bought the wrong property, overpaid, picked the wrong PMC, etc.Over the years, we've had numerous owners try to get us to share more of their risk - for free.

Individuals owned their own home, or a duplex in which they were both owner occupant and landlord.  

(We individual investors or Long term Lenders can't borrow at that rate) Mortgage rates typically follow the 10 yr Treasury yield. 

It tends to be a challenge, at least for me, searching for individual insurance companies in those situations. 

I am looking to connect with like minded individuals who can help me with deal flow and adding more doors to my portfolio .

Yup, as an industry it is malleable to be shaped the way and for uses to satisfy individual goals, ambitions, and lifestyles. 

I know the law and do not operate my business based on other individuals that confuse moral with legal.  

You get an initial call with an attorney and you never hear from that individual again.

Clear and concise communication, willingness to help, and promptness have been my biggest indicators for finding the right individuals.

It's probably up to the individual parishes.