My concern is that all of my info is coming from the agency and I do not know how to find and evaluate properties/deals yet on my own.

I have a degree in biotechnology and public health (currently in Higher Ed.), and I’m transitioning into real estate to explore new opportunities and challenges.I’m particularly looking to connect with experienced professionals and find a brokerage that offers strong training and mentorship for new agents.

All that to say, PMLs are usually more concerned with the value of the property and will lend at a lower LTV regardless of ATR (ability to repay) because they know they can take the house for 65 or 70% of the value if you default in a worst case scenario.Hope this helps!

However, I am concerned about the tax implications.

My concern is obtaining a construction loan without a contractor's license. 

I have loans on two of the properties and am concerned that if I transfer the properties into an LLC that the loans would be called . 

But I do know they are concerned about FAKE lenders so that is a good thing. 

My wife and I are under contract on a home we would like to turn into an MTR at some point close to downtown Mesa and the Mesa Arts Center, ~ 10 minutes from Banner Health.

The owner had been living in these conditions for a long time due to mental health issues.It was heartbreaking to see.We agreed on a price and closed very quickly to provide relief.

Without a PM the entire burden of management falls squarely on your shoulders - maintenance, collections, postings, legal concerns etc.