I suppose there is a reason agents are doing it but I cannot see this as a profitable endeavor...

The aim is to expose businesses attempting to conceal illicit gains, thereby identifying those involved in criminal activities.As for a Home Owner Association (HOA), whether it needs to comply depends on its legal structure and tax status.Most HOAs need not file, except 501(c)(4), which probably need to comply.Who is Exempt?

Sometimes by mistake, sometimes by direction of the parties, sometimes in an attempt to steal money.I believe you and your attorney are already pursuing a lien based on equitable subrogation. 

We’re now five days from the closing date, with no response from Lacey, despite multiple attempts from me, my lender, and even Rent to Retirement to contact her. 

Quote from @Richard Schubert: My suggestion is to limit your risk on your first endeavor.

I enjoy getting together with people with similar interests for dinner or even just coffee.I am excited to see what I can do with this new endeavor and excited to meet new and interesting real estate investment colleagues.

Any attempt to short-cut the process is going to hurt you.Figure out a side hustle to raise more money.

You would be better off attempting to sell the entire loan to be honest.

However, in their attempt to make it as easy as possible for a buyer to make the purchase decision, they’ve created a convention whereby the buyer has what amounts to a “free look” or option with virtually no obligation or real commitment.  

I have yet to get under contract since attempting to since labor day, but I am in no rush.