Also file a complaint with the CFPB Submit a complaint | Consumer Financial Protection Bureau (consumerfinance.gov)Regarding do you have any legal action - you can prove you do not owe it but you will not get any compensation - courts have ruled long ago the only recourse you have is actual money you lost - there is no "pain and suffering" if a statement is incorrect and you have to fight with them on it.

Is this an internal property management company that is compensated on keeping costs low, tenants ( 400 SFR's ) happy so that they stay and pay their section 8?

The requirement to have a realtor license, according the Maryland state statute 17-102, does not apply when (among other things)"an owner or lessor of any real estate while managing, leasing or selling the real estate, unless the primary business of the owner or lessor is providing real estate brokerage services or...a person while acting in the capacity of a personal representative" Sounds like a carve out for representing yourself to me.Which would be consistent with the NC definition of a realtor as anyone who buys, sells, leases...real estate for others for compensation.

it would fail because their original loan was 90% LTV for DSCR 0.90x 4% initial rate,new rate is 9%other word to compensate you have to raise rent by 1.4-5x to reach DSCR 1.

So every year you do not compensate by raising rents, you are losing money.

Also, I would gladly compensate more experienced developers to visit the site with me for input. 

Offer a buyer's compensation for their agent as well to sweeten it for someone already represented. 

Ultimately if you have proper insurance, 99.9% of plaintiff's attorneys are going to be most focused on securing the insurance carrier's cooperation because the plaintiff's attorney is most likely representing their client on a contingent basis and the insurance proceeds are how they are compensated.

This in effect means LLs paid for the housing of these tenants by law without getting compensated.  

I would be curious to see where this exists, as it would have to be through a broker dealer channel in order for someone to get compensated for it, and most syndications require GP approval to transfer any position