They'll see who are the people who have spent hundreds/thousands of hours freely giving advice and helping others across thousands of posts and articles and who has spent most of their posts trying to recruit novice investors to high-priced training programs.Again, if you don't like how you're being perceived and treated, perhaps you should consider whether you're doing something to be perceived and treated that way. 

You can create a note with any terms that a note investor/lender will agree to.Other than getting a private loan from an uncle who wants to help you out, or a naïve newbie, the interest rate, points and fees will be reflective of the perceived risk.  

Especially with the perceived high capital barrier for entry along with large debt.Also, suggestions on how to overcome the fear of making this kind of investment. 

We are ****ing with people's lives.In California, where I am from and run my apartments, landlords are perceived of as being greedy and immoral.

However, you might perceive it as less risky and like that option better.

You as a landlord are perceived as a person with money, much more so than a sheriff's deputy tenant whose pet dog happens to be a pitbull.

Here is how I interpret the tiered structure:  If you're in the 10% or 15% tax bracket for ordinary income, then the amount of long-term capital gains that keeps your total taxable income at or below the 15% bracket is taxed at 0%.If you're in the 25%, 28%, 33%, or 35% tax bracket, then the amount of capital gains that keeps your total taxable income at or below the 35% bracket is taxed at 15%.If you're in the 39.6% tax bracket, then your long-term capital gains rate is 20%.At some point, if the capital gains is large enough, AMT rules come into play.The problem with your scenario is how the IRS will perceive your intent.  

I am not an attorney, and have never stated I am the authority on how a lender would perceive that senario.

Cap rate is also an indication of the perceived risk inheritant in a property or it's market.

In the twentieth century, schooling became a social tool for an industrialized society or, worse, a perceived panacea for social injustice, crime, and poverty.