Are your investments registered with either the SEC or with the California Department of Financial Protection & Innovation?

Best bet is likely (not absolute - everyone's situation is different) is to look at a national lender or broker that has options in lots of states - its a great development versus 20 odd years ago, with technology, internet, places like this - can have access to many more options than before (local broker or lender thats it)

Innovative approaches like these are key, you always have to move, adapt and think to figure out a smart approach and make it work for you in today’s market, your case is a great example. 

Or maybe we can do that I'm just too incompetent with technology to understand how to do it? 

We only had 1087 homes sold in Nov. 2023.

He mentioned innovation being needed.

She is the first tenant in my brand new SFH in Katy Tx that i purchased in Nov 2023.

-Her split is 30% of profits whereas others are 20-25%-She requires a $500 "technology fee", but it's only a $30 amazon key-pad deadbolt.

I refied the HR house in Nov., 2021 and pulled $150k out to invest with a builder in SW, Florida who has yet to deliver the first of three houses in three years. 

I'm not against innovation but every point you raise is pre-existing or illegal/ against regulations.