You need to research/know the rules, laws and regulations (including HOA if applicable), like you'd do in any US city.

And your simply charging points and keeping the points and then a service fee. ( interest rate delta). 

You and this private person you met hammer out the details of the loan at the kitchen table so to speak and you seal it with a handshake and your reputation that this Private Person already respects or whomever introduced has vouched for you.But if a man opens a lending company tomorrow with 50 Million of his own capital and he checks in on the HML market to see what it bears and he copies his products and UW guidelines and now is he PML or HML? 

Would love to have a chat and learn more about it.

It's more about steady content and natural growth once you nail the basics like keyword integration and technical optimizations.

You can evaluate the additional cost and payback time as if you were paying for heat to get a handle on it but the jump to most efficient is probably not worth it in your situation.

It's a strategy that has proven effective time and again.Five years is a solid timeframe to account for market fluctuations and ensure profitable sales.

How do you know it's an "elaborate scam and includes a circle of people"?

I know i built 4 in the Ocala market and permits were very long year or more very frustrating .. 

I also have (currently) 2 units and I am growing.