Why do you want to work with agents who don't understand simple things like owner financing in real estate, it's really simple.

Preferred returns would even be acceptable but not a straight interest rate play if the lender understands the structure. 

To plan investment and future rental goals in Albany, research market trends, explore financing options, understand landlord-tenant laws, manage property early, budget for maintenance, and connect with local investors.

I also understand accounting and legality may play a role.

Some examples of properties with high asset reclassification include medical clinics and hospitals with technical machinery and labs, grocery stores with machinery, shopping centers with rainwater drainage systems and large parking areas, industrial manufacturing facilities with advanced equipment, apartment buildings in suburban areas with swimming pools, golf courses, tennis courts and large parking areas for tenants.Here’s a list of the average amount of assets that can be reclassified into shorter asset life classes based upon the type of property.

I understand why you want to avoid a HELOC.

I understand your hesitation in dealing with another TK operator, but not all operators are created equal.

We've never actually had a tenant use it after reading the addendum (which was our goal), and I think it helps prevent problems when they understand the myriad issues involved in its use.  

We meet every month, and are in constant contact with these individuals, in business relationships going a lot deeper than that.The second way is to contact a large group of people with the understanding that only a few will result in “deals”.  

I'd suggest just creating one on your own - with excel when you create the template it's both the way you want it, and then also you fully understand it.