Yes I understand what you are noting, and I believe on the commercial side of things they are typically not putting their names on the docs like you do for a resi loan but just brokering/underwriting it and collecting a fee as a 1099.

Work at establishing in-person relationships that will serve you well over time, not just one-and-done.

They just select a tenant that the one they like.Thanks for your any comment.

Just to consider, doesn’t necessarily apply to them.     1.  

Just because you haven't heard from the Lender, A.G., FTC, FBI for the last couple of years doesn't mean you are "in the clear".

I just hired a new CPA who is also a real estate broker.

Not really the smell, just no one wants to put up with you more than three days.  

Moreover, for someone in your position just starting, it's best advised to partner with an experienced individual to mitigate risk and adequately learn the process.

And i just wanna make sure we are prepared and can finish this project.   

Deal with it.Correct me where I'm wrong but Novations can be executed by either a Power of Attorney being given to the investor or by an investor just doing the paperwork, both being done after they secure their interest with an option contract (unless there's some other creative thing I haven't heard about yet).