Things like breaking a window because their kids were horsing around, I pay for and then subtract from security deposit when the tenant moves out.

I too failed in the past but have gotten back on the horse. 

Some times they never record the liens, sometimes they are very slow in recording the liens, and sometimes they'll record their lien quickly, and you are in a race to complete, your recording, your Quiet Title or your AP before their recordation. 

It's like if I went out looking for a horse and carriage IMO.

Welcome Jillian, glad to hear you're getting back on the horse.

I am sure if I were a jerk they may move out earlier and in that case the kind gesture could make a difference.I had one couple tell me that they race to the mailbox about five days after they pay their rent because they want to be the person who gets the lottery tickets.

Your brother can just as easily contribute cash into the LLC you form and then you can be off the the races - just not fix n flipping if you want to do 1031s.

A horse of a different color.There is no way around usury laws as they are based on the APR and the APR includes any fee, expense, points (pre-paid interest) or cost paid to obtain the loan.Charging a flat fee, like $3000 is simple computed as points would be, the fee divided by the amount loaned equals a factor, the same as points.

Talk about jumping a few spots in the rat race but guess what... you're still in the rat race.

Thats awesome.Remember, never look a gift horse in the mouth.