Thereby keeping the government’s hand off your family’s money. 

I have invested as a LP in apartment communities where there is a partnership between a government agency and the ownership group to provide affordable housing in exchange for tax abatements and long-term, low-rate government funding. 

For example:initial consultationreview of your prior tax returns for possible mistakessorting through and organizing your data, including receipts and spreadsheetscorrecting and reconciling your booksfinding and correcting inconsistencies and missing datafiling your federal and state extensionsoptimizing your tax return with alternative tax positionsreview/walk-through of this year's completed tax returnsamending your tax return if something ends up missing or incorrectanswering your ongoing technical questionsshort- and long-term tax planningreviewing and replying to the IRS or state lettersdefending you against the IRS or state auditsproviding financial statements or other data to lenders and other 3rd partiesassistance with loan applicationshandling your payroll and payroll reportingpreparing 1099s/1098s and other informational formsassistance with government loans and grantsI think it's obvious that the price of your CPA service will heavily depend on what is included.

If tenant won't pay, will government pay landlords?

I can see why you're asking this question because the terms "private lending" "private financing" "creative financing" "hard money" etc get tossed around a lot without explanation.The short answer to your question is that private lending is literally anyone who is willing to give you money other than government or government backed institutions.

As is typical with government intervention into the public markets, the intentions of this policy achieve the opposite.

The world is a MLM led by the largest....the government. 

You’ll need to hand over a large chunk of cash that’s just going to go to state and federal government, maybe 25-50% of the total gain, not just on the current property. 

Any special language in the rental agreemnt that I need to include to govern use of common areas, tenant conflicts, etc?

I am familiar with the "rudeness" but that unfortunately is not so uncommon when dealing with government employees who have to deal with the public on a daily basis and is something you just have to have thick skin for.