Without meaning to offend, a lot of it might come down to how sophisticated they are.Two approaches for where it seems like you are right now:1) Go speak with these family and friends, tell them your plan, and get a sense of what they would want in return for lending you money.

Payroll, bookkeeping, etc can mostly be done remotely.Here is a great list of questions to ask a potential accountant:http://www.biggerpockets.com/forums/51/topics/70447-questions-to-ask-a-cpaAlso check out the www.NAEA.org page in your search.

Dustin, it's up to guys like you now to carry on in this industry and enlighten others as to ethical practices and more sophisticated investing techniques, lead by example and if you see something that is not just right, point it out so that others will understand the difference and the reasons why things are done in the manner which they are.

If your in Hilton head and you have a sophisticated audicance and they get some yellow letter with red  fake handwriting that looks like a 3rd grader did it all saying the same thing  guess what happens in the toilet it goes. if your in a unsophisticated area were the person receiving it for some reason thinks its real hand writing and buyer sincere IE really going to buy it not try to just wholesaleand  flip it they may bite depends on your farm area. 

You can buy a note or any paper as the future payments to be received, all or part of them and require recourse, I purchased that way and sell that way as well as on a non-recourse basis, depends on the other parties, sophistication and ability of performance, it also carries a different price. :)

A lot of people will have their family members on payroll but not actually working, mostly for tax breaks. 

Having a printer is nice because no telling how sophisticated your seller will be and so you can print and mail contracts.

This notion that a "bank" is some type of sophisticated Seller is misplaced.  

Regional Centers' primary value is allowing for the counting of "indirect" (non-payroll-provable) jobs, which most larger EB-5 projects need because they don't generate enough "direct" (payroll) jobs to satisfy the job-creation requirement.  

Here's just an outline:Legal (entities, transactional, consultation)Accounting (tax prep, possibly payroll)City business licensesTaxes (SE tax, Cap Gains tax)Closing costs/title insuranceHomeowners insuranceBookkeepingProperty taxesAgent/Broker feesProperty management feesHard money feesThe opportunity cost of money and time.That's just a short list.