I have a couple lessons learned from our first hard money experience. 1) Make sure you include your plan to pay the hard money back in your up front planning and underwriting of your property. 2) Use an attorney to formalize the agreement and record it properly  Then stick to the agreement no matter what.

Ryan Wallace was my agent, he works the NH/ME border area.

Not really a formal presentation per se, but answer all the questions.  

The Note is the legal document that contains the actual terms of the loan, it has all the details of the amount borrowed, the interest rate, how often you make payments, late fees, etc.There are three levels of assurances with loans.Just a verbal agreementa formal written promissory noteA recorded mortgage with a promissory noteMy guess is when someone said put the lenders on the deed, they may have meant a deed of trust.

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If you go through a property management company, it's extremely likely their rentals will show on Zillow due to crawling, and of course other sources.There is such high demand for rentals throughout most of Arizona, that it borders on desperation for many soon-to-be tenants, and landlords hold the cards, not the renters.

We will apply for the loan jointly as individuals and not with an LLC or formal partnership.OR would it be better if I put all the down payment and limit the partnership to using his income for the loan approval?

It's a man made lake in the Colorado River on the border of California and Arizona.

He was not a guru and didn't have a formal program. 

I have never done a deal this size and had never really had to get a formal pre-qualify before.