This seems to be less of an issue especially since when an LLC borrows for real estate at minimum the principles/owners personally guarantee the debt anyways. 

We put 12% down on the property at a 5.99% rate and contribute another $120 or so every month towards the principle. 

Wonderful suggestion, I will share the link to the property listing in the original post above.Based on a fast google search, the property appreciation for 2024 in Acworth is 2.2% and in Kennesaw is 2.4% (the house is right on the border of Kennesaw, we even pay tax to the city of Kennesaw).What is principle reduction every month?

Since basic real estate investing principles are the same, where the group is doesn't matter. 5) LLC's are the least of your concerns at this point, insurance is more important.

Are ethical and do it the right way.

I’m curious—what’s your process for vetting lenders or account executives to ensure they’re legitimate and ethical?

They understand that it would have to be at a discount to the amount owed and would need to make sense for me.There is roughly $360K in unpaid principle @4.00% and 311 monthly payments remaining. 

We are new to the real estate industry but we are building a family owned business to earn an honest living while being able to provide and instill good ethics and morals into our children.

We are shifting our focus to NE OH and are looking to build a strong and ethical team for successful BRRRRs.

These are professionals with additional training and a stricter code of ethics.