Private Money Lenders (PML): More flexible, relationship-based funding with lower fees.

Lending and insurance are based on predictability and without question the frequency and size of losses will continue to eclipse prior records.

This dragged the process out even longer, making it both exhausting and expensive—I’ve already spent nearly $10,000 in legal fees.

Basic inquiries about rent payments, tenant status, and property finances were either deflected or completely ignored.Breach of Contract & Unethical Practices – Even after I informed her I was selling the property, she tried to list it for rent without my consent—seemingly to secure a tenant placement fee for herself.

I think they're probably paid part of the signup fee.

What fees to charge and returns to target? 

Not necessarily a scam, maybe someone trying to save fees. 

I got more than enough up front as the non-refundable Option fee to cover all expenses and rents and to get a judgment against the Optionee.

Is the PM investing in or in some other way financially committed to this deal (beyond the fee)?  

Furthermore, whole note investments benefit from an additional 0.5% annualized yield and are entitled to a share of any extension fees charged to the borrower."