How loan officiers can pay Referral Fee to realtors in a legal way, and NOT as kick back?

LLC same rate as personal name but some lenders have LLC review fees.

That seems to be the common factor everyone has been mentioning so far!

Plus there are the Airbnb fees and some areas have an additional tax.

(If you do, the terms of financing may be costlier than financing as an individual)  With an LLC you will have annual filing fees (usually minimal) and perhaps any costs associated with having a registered agent if you move.So, ask yourself what is your goal in putting them in an LLC? 

Rates are similar to conventional investment property loans, however the fees may be higher. 

Moreover, maybe your market is different, but from my experience, most contractors won't walk a property until it's under contract or you're providing a flat fee for their time.

@Orane JacobsWhen thinking about venturing into a new market for house hacking using a VA Loan, it's important to look at various factors like the cost of housing, how much demand there is for rentals, the job market, economic conditions, how fast the population is growing, what amenities are available, and the resources for managing properties.

Open to developing the land myself, but in most cases that would require finding a partner, so I'm prioritizing zero-to-low cost options.Recent fee appraisal puts value around $140k.

If that doesn't cover the principal balance plus all accrued interest, exit fees, yield maintenance, prepayment penalties, default interest, advances made for unpaid property taxes and insurance (even forced placed insurance), advances on senior loans, foreclosure costs/fees, toxic waste cleanup, costs of resale, the list goes on and on...the lender can sue each and every one of you for the entire unpaid amount.The way this would likely play out, should the lender elect to enforce the personal guarantee, is they would file suit naming each partner as a defendant.