I am going to respectfully disagree with you on this statement.  

If it gets you that distraught, maybe you look at respecting or ignoring someone's opinion without discounting just so you don't come off looking like a desperate shill.

You’ve heard from several experts I respect so nothing I say below is any reason to believe otherwise.

This contrasts greatly with most accountability partnerships, as a mentor is typically more respected as an authoritative figure.

Use surveys to gather feedback on their experience.When tenants feel valued and respected, they’re more likely to take care of the property and renew their leases, saving owners time and money.Fairness with VendorsVendors play a crucial role in maintaining properties, and treating them fairly ensures they remain reliable partners.

RESPECT!

You could set up one LLC to own your 4 rental properties and quit-claim deed them over and that would be the maximum I'd do with respect to LLC formation.

Anyone here can confirm that the rent from section 8 is close to the payment standards for the respective zip codes?

You and this private person you met hammer out the details of the loan at the kitchen table so to speak and you seal it with a handshake and your reputation that this Private Person already respects or whomever introduced has vouched for you.But if a man opens a lending company tomorrow with 50 Million of his own capital and he checks in on the HML market to see what it bears and he copies his products and UW guidelines and now is he PML or HML? 

The bleeding is now over and you can move on with a quality tenant that will provide you the cash flow and property respect that you deserve.