How do I start the process to make it legal?  

This protects you in the deal if the home appraisal is low or a home inspection finds major issues with the property.Have your finances in order with either a pre-approval letter or cash to buy the home.

They have a very combative personality and are legal minded. 

These clowns are so desperate to catch a sucker, they probably waste 90% of their time having conversations about how to invest and just keep trying to push them into their market when the person doesn't even have money or a pre-approval.

It’s “illegal” to purchase a property without the approval of the existing note holder (subject to)2.

You as the landlord have legally and morally obligations, but they as the tenants also have specific obligations.

I had one lender tell me its impossible for you to buy another property and another lender ran it differently and approved me for 600k.

The county is the second fastest-growing in the U.S. and the fastest in North Carolina.The zoning for the project is already approved, and with our captive audience of potential tenants, I’m confident that all units will be leased upon completion.I’m seeking advice on how to best structure this debt with a private investor or investors in the short term until the property is fully rented and long-term financing is secured.

All are personally owned with insurance, but no LLCs or other legal structure.

An LLC is useful for two things: anonymity and legal protection.