The $10k was put onto a credit card so in essence they spent $10K in asset protection fees to create a liability.

I self manage our rentals (we had been using Empire but I want happy with their services) and use Cozy to run background/credit along with all the paperwork.

What could I expect to have as current average loan interest rate and points/fees if I am a new accredited investor with excellent credit?

You will need to supply more detail to your request to figure out which lender might be best for your project.Thanks Steve, Preferably a bank with checking, that will finance multifamily for my LLC, based on the asset and its existing and potential returns not necessarily my credit or income. 

For instance, we tithe using cash and we use prepaid Visa credit cards, we don't take a tax write off for it and no one but me and my wife knows how much or where the money gets given to.

Credit Score:For 10% down, lenders usually expect a credit score of at least 720 or higher.

Over the past few years, my wife and I have worked hard to improve our financial health—we’ve raised our credit scores above 800, paid off all debt except for our mortgage and student loans, and saved a fair amount.

The seller keeps that $5k no matter what, and it's not credited back at the time of sale.

They do not however have the knowledge, credit score, or physical ability anymore to fix or get into real estate.

Any recommendations for institutions that can extend a line of credit backed by a whole life policy?