The foundation of my personal investment philosophy is to buy deals and not lose them to the bank.

Even the banks and lenders are happy to do buisiness all over Detroit as of late. 

We make loan at a total cost to borrower of about double what “A or B” risk borrowers would pay for  bank financingLoans are 1st liens, short term (12 - 24 months) at no higher than 65% loan to value.Hope this adds clarity 

You can couple that news with the news out of China today that they have decided to cut their interest rate, lower Bank Reserves, (banks can lend more money) and make it easier for people to buy houses and they are also actively pumping money into their stock market which is to say we were going to have the massive inflation going forward.

There are also additional costs of operating and maintaining an LLC, like separate bank accounts, annual report filings, tax filings, etc.2.

I have not received favorable terms from the local bank I worked with on the original loans, and they are unwilling to work with the RV Park whatsoever.This is in Clay County, Alabama.

A local bank in the area may be a great option or you can check out BiggerPockets investor-friendly lender finder https://www.biggerpockets.com/business/finder/lenders

I experienced problems trying to set up my Relay bank account.

If all they are is the " bank" well 20%ish seems fair. 

Qualifying the BuyerCreditworthiness: Just like a bank, you should assess the buyer's creditworthiness.