I've done a 3% down financing loan, offered 6% down on market and took my 3% commission and applied to to the down payment 

I have the LLC filing, their website, and other than that I'm not sure if I'm able to find anything else (or should be able to) to vet this private lender.

Here are some other thoughts . . .Using Subject To, to Get "Free" Properties https://www.biggerpockets.com/forums/311/topics/1060320-using-subject-to-to-get-free-properties-a-quick-guideline 

I wrote a post that may interest you and how to proceed. https://www.biggerpockets.com/forums/311/topics/1060320-using-subject-to-to-get-free-properties-a-quick-guideline 

I don't know a ton about it, and am not sure if you could do it part time or what but it would definitely be worth looking in to to help pay down that debt. 

Here:'s a post I did on Subject To that may helpUsing Subject To, to Get "Free" Properties https://www.biggerpockets.com/forums/311/topics/1060320-using-subject-to-to-get-free-properties-a-quick-guideline

If anything, since a S Corp has to pay out a "reasonable salary," you would be converting "tax advantaged" passive income to to "tax no so advantaged" active income.

The problem is that those doing the lending are not aware of the consequences or risk they are taking.Big boys can afford to lose that money (they don't like to, to be sure), but they understand the risks. 

It seems like a false promise (not complete, too many "if"s involved) from the buyer using Subject To, to convince the seller that Subject To is "safe".

I just use a Joint Venture Agreement with distribution of profits that reflects the training and the risks.Here's a post I did on Subject To that may helpUsing Subject To, to Get "Free" Properties https://www.biggerpockets.com/forums/311/topics/1060320-using-subject-to-to-get-free-properties-a-quick-guideline