I don't think you could wrong paying off your debt or maintaining it.

Is there anyway that I can communicate with the debtors  personally or do you think everything will have to be channeled through the owners. 

All I can say is... if my hard money debtors approached me today and asked to refinance their note, my first question to them would be: "Refinance as in pay off the note now with money you borrowed from someone else?"

If you have additional cash to put in, you don't need to have debt at all, as long as you're not coming out ahead in either direction (less debt or more cash in your pocket).Here's a quick explanation: http://www.exeter1031.com/article_1031_exchanges_d...I also like how this site worded it - you have to replace the 'value' of any debt you have in the relinquished property, the IRS doesn't care how you replace it (debt or equity). https://www.ipx1031.com/replacing-debt-in-a-1031-e...Hope that helps - but, Bill, please correct me if I'm wrong!

So the line of credit or loan would have to list my trust as the debtor.  

that's crazy there is a grantor and debtor in this postsounds like you need to work it out so all parties are being civilthe agency does not need to fleece the market by arrogance if the people cant get moved in and the property is not tied up then return the depositif you are going to tell someone you want the property then don't put them in a position where you loose your earnest money or depositscant we all just get along?

If I own Coca-Cola and Taco Bell and Taco Bell goes bankrupt, debtors can't come after my Coke money, can they?

If I make them 2nd & 3rd position lenders, then they're debtors not my equity partners, right?

Low income area a 600 score or higher should be fine however that score doesn't matter, what matters is the fact they owe 5k to multiple debtors!

Property 5 The initial term of this Straight Note Agreement shall be for the term of Six Months (6) (the “Initial Term”) commencing on the date this Promissory Note Agreement is executed by authorized officers of XXX, LLC and Lender (individual name)Borrower shall have the right to prepay all (but not a portion) of the indebtedness evidenced by this Note at any time, by paying the Lender an amount equal to the sum of (I) the principal balance then outstanding and (ii) all interest accrued to the date of such prepayment.Lender and Borrower intend that the relationship created and evidenced by this Note and the Loan Documents shall be solely that of debtor and creditor.