By private lenders, I am going to guess you mean hard money since you can't really just go around asking people for their list of private independent lenders.

This is seriously one of the most useful resources I have ever purchased as an independent landlord, helping me avoid high legal fees on simple questions and breaking out many states' regulations in simple, easy to understand language. 

Besides our independent research we're waiting on REI sessions to resume to get more information.

The purchase and rental of this property is a personal deal and does not involve eXp Realty, LLC, which is the company that I am an independent contractor for real estate sales purposes. 

You have to also clarify it in ways that conveys why you're looking at RE as a means for financial independence and how living in a multi could pay for her dream single family home. 

Finacial independence!

Annual Financial Requirements• Borrower and Guarantor shall furnish to Lender (i) a copy of their federal tax returns prepared by a firm or independent certified public accountant acceptable to Lender and certified as complete and correct to include all schedules, K-1’s and W-2’s as applicable.

So, I’m wondering how many Brokers are running businesses with no employees, and just using independent contractors, or how dicey it is to give each Agent a “responsibility,” so to speak, without creating an issue where it could be construed as an employee/employer situation?

So if one LLC is audited, it opens a can of worms for the audit to also audit the second LLC - your corporate veil will be pierced - no way to stop it unless your brother-in-law is a lawyer and won't charge you a penny, and if for any reason there is a mistake you think the IRS is not going to claim your audited LLC earned more or moved money so you don't pay taxes?

@Gabriel BenavidezYour personal residence has a lot of tax benefits and asset protection built in dependent on the state you live in.