Pool multiple “lenders” into this loan and that could be a problem with securities laws and/or other state laws governing lending. 

You might be seeing the results from bad local government policies.

If the government takes 10% of your 401k cash advance, remember you can make 10% year after year! 

I am going to be spending very little, as we're hand writing all of the envelopes *which are free from a local printing company that has nice extra envelopes*, and the letters are going to be printed and signed.

Where controversy arises is usually in cases where there is not a correct or complete understanding of either the strategy or the applicable laws and legal doctrines governing its use.

This is not the wild west, you are operating a business in which laws govern your operations.

You have to read all fine print on disclosures, understand the terms and play accordingly.Credit cards are in the business of making money.

@Ron Fletcher I work with investors in Chicago that invest in properties this way, but I should preface that our procedures are governed by Illinois laws and Chicago laws so youf area may be different and you should consult with local counsel.

I just find the prices a bit too high for rentals in Denton proper, but if you are patient and look around to communities like Ponder and Krum and Sanger, you might be able to find things that you'll be able to rent readily to people who work in Denton (county government, universities, very large medical complexes, etc.) but cannot afford to buy in Denton.

Do you get this kind of info from google, certain government officials/departments?