But they should be able to quickly answer your fair housing question.

This is a legal question that your attorney should be answering, and if you don't feel your attorney can help you, find another one who can.

For a $100,000 loan, we would have to charge 2 points ($2,000) for originating the loan.

I can help you on Maui. your realtor should be able to answer all of these questions

Your answers demonstrate you've put some thought into this.

I'm originally from Tyler, so I'm familiar with the area and market, and I have some subcontractors in that region who might be able to help you and I am happy to make those intro's if still needed. 

I guess to get a definite answer I'll have to cold call to get see if all these people are behind on their payment or it's just a standard practice behind some salesmen!

Happy to connect if you have any specific questions you are looking to get answered or just want a general run down of the investing landscape here.

Calling a FSBO wasn't the original question - it was "text blasting".I cited some very solid sources above that are worth reading. 

Then you 2 would agree on how you would split the profits once the property is generating cash flow and the original equity is returned.