The "stand down" issue was total fake news and the reason that I know this is that Batts is VERY well experienced in tactical operations (SWAT) and, I believe, was one of the pioneers in "mobile field force" creation. 

@Travis DardenYou can either become a hard money lender yourself, which requires starting a company, website creation, legal assistance, program creation all to find yourself marketing a product that you have possibly little experience in, and potentially losing money for awhile . . .

You finally identified shareholders in this blame-pot:  I think is naive to think "banks will be smart enough to keep their own standards of lending similar to how it currently exists" since bank management has a fiduciary duty to its shareholders.As far back as the early 90s - maybe even earlier, based on how such notions were regarded as settled facts, graduate schools were recognizing that the shareholders' rabid demand of their companies' pursuit of high and increasing short-term profits was completely overtaking any consideration by the corporate managers of this demand of the companies' long-term objectives, wealth creation, service to the market, business reputation,  ...  

However, with businesses already holding above $4 TRILLION at this time that they are not investing in more jobs, I have no idea why another $1T or $2T would suddenly result in job creation or investment in businesses.

Even Kiyosaki has to credit his success to education, from learning how to put ideas to paper in the form of a book to creation of his marketing branches. 

I will definitely check out ABA's YouTube videos and I have also requested clarification from my CPA about entity creation.

I am in the wealth creation portion of my life's plan so I am looking for cap rates well above what I will pay in interest on my debt.

txtType=HTM&ttl=20&div=0&chpt=77States that one of the requirements of trust creation is: “the same person is not the sole trustee and sole beneficiary of the trust”.

I referenced it here as my inspirational view of "oh, so that's how savvy investors can make it" - though I'm not expecting this kind of return out of the gate, and I apologize if I mislead.Credit for the below example goes to Brian Murray's book (I pulled this example from the online version available as a sample on Amazon since I only have the audio book):Bank Financing: $750K @ 5%Seller Financing: $150K @ 5%Cash: $100KTotal: $1MGross Revenue: $200K/yearExpenses: $100K/yearNOI: $100K/yearDebt Service: $63K/year$37K/$100K = 37% Cash-on-Cash-Return with a 2.7 year payback period.Principal paydown first 5 years = ~$103K or $20K/yearRevised NOI = $37K + $20K or a 57% annual return.Doing the math, at 5 years, the value creation is $9.54 for each $1 invested.

After the Great Depression we made changes like the Securities & Exchange Act of 1934 & the creation of the FDIC.