I didn't go into great detail on it as I am not interested in the instrument, but I don't think it was a USDA loan.  

If you don’t like it or deem it a scam, you can stay away from it.It’s an instrument that serves people with a specific payment and investment intention.If you rather have high closing costs and no access to equity, that’s totally your choice.

The owner and manager need to function from the same sheet of music and because of the economics of the business, this usually requires a pm to have his model and offer it to owners.  

Syndication is not a DIY area of the law, and there isn't a single document that could be called a "syndication contract" as the offering package generally contains a group of documents, all designed to work together, including required disclosure documents (depending on your investors' financial qualifications), your "investment contract" (which could be an LLC operating agreement, a limited partnership agreement, a JV agreement, a note, or other such instruments, which must be carefully drafted to protect you); a subscription agreement (where the investor basically accepts the risk of investing) and the required federal and state securities notice filings.

The neighbors use drugs and listen to loud music. 

Technically, you would also probably need to sign a new mortgage/deed of trust (the actual security instrument...I didn't catch what state you are in).

You will need a security instrument suitable for the state that the subject property is located.

I also started tutoring and still tutor (I teach music lessons).

You can read all the books your heart desires but do not forget the security instrument and note is what you actually pay for or invest in.

You can invest the difference between term and EIUL into an investment instrument that would most likely reap more profit for you in the long run.