If the lender is a chartered entity they're basically not going to be able to do anything for me, private lenders will want massive points and rates and short terms.

It's an institution that was organized by the federal government and chartered to serve a dual mandate of price stability and unemployment. 

So, while looking for info about them, I came across Charter Financial franchise, and heard a lot of mixed experiences with them.

Are there any other options such as Charter Schools?

Charter schools are essential to the improvement in some areas.  

Right now a lot of Kihei kids go to Kihei Charter which is in a new building and is a pretty good school.  

Sounds super petty to me unless it was a charter.

Fannie Mae (FNMA): A congressionally-chartered corporation that buys mortgages on the secondary market from banks, savings and loans, etc.

For example, if you charter your LLC in your home state, your lawyer there might advise you to charter a Series LLC, which might not provide any protection in the state you're investing in!

When you sell your income property, you can write-off any unused rental losses that have accumulated while you have owned the property.The Disadvantages of having an LLC.Up Front and Ongoing ExpenseWhen setting up an LLC there are costs involved that are generally charged by an attorney or tax accountant for the preparation of your LLC charter.