@Chase Gochnauer OK, I'm hearing from my lender within 6 months its a technical re-fi and can only pull out 75% of how much you paid in cash.

You could technically return their deposit and let them look elsewhere.

One issue you could have is that a lot of banks require a 1 years seasoning period before they will refinance.As for transferring it to an LLC after you have financing, it could technically trigger the due on sale clause but I doubt any bank would actually call the loan.I use Spring Valley Bank and they should be able to do it no problem. 

Technically, you are not actively working with clients, but you can refer people who are looking to buy or sell to an active agent and get a 25%-30% referral fee on any commissions generated.

However #1, the technical and other misc fee are way too expensive, more than 6% fee.

And since refinancing involves a return of principal, that along isn't technically a taxable event, although when you finally surrender the property, it would be at that point. 

Such programs would eliminate the fee intensive "paperwork nightmare" you refer to.2) Your retirement plan is not technically "your money". 

I am currently helping my mother get a mortgage so I will technically share around 220k debt with her, but I have 500k-1m im looking to invest into property.

I don't think this is very ethical as you technically don't have the cash. 

So technically unrelated by a very specific corporate structures and different ownership distribution.