If a cash out refinance, many lenders will allow the cash out to satisfy the reserves requirement.DSCR lenders generally let you vest either individually or as an LLC.

I am looking at Baselane but unsure if that would work well as a PM versus an individual landlord that owns all of their properties. 

Home State Licensing Requirements: Some states require individuals or entities that buy mortgage notes to be licensed, especially if you are buying them as part of a business or investment strategy.

Those present two very different levels of risk.You should also consider how long ago the offense occurred and what the individual has done since then.

Last, if anyone lives on Maui and would like to connect I am always looking for like minded individuals to network with, and maybe, do some deals with! 

It's a member owned and operated not for profit group geared to the individual investor.  

market psychology has changes dramatically , under the surface high net worth individual is asking for redemptions.

I can see the use of software and individual coaching. 

As for being named individually, while the standards will vary it is generally very difficult to pierce the corporate veil and comingling the funds is the most common culprit.

The individual investments may say it’s a 6 month term but the majority of time the borrower or builder needs to extend the term 1 or 2 months but that’s no problem I get a late fee plus more monthly interest.