The person then gets called and qualed and so it begins.I am reasonably tech savvy but not as much in this realm (not yet I guess) and nobody end to end owns the process.  

I, personally, prefer not to be cash flow negative assuming 20% down on a deal.

It just depends on your personal situation and overall investment goals. 

Used personal funds for literally everything.

However, I personally go 1 step further as many people have outsized debt obligations. relative to their income.

Personal Finance folks I've found have $5k minimum fees and such.

So, I borrowed the money from the person that stayed in my first house as she had just sold her house and made a fair amount of money off of it.

The schools ignore personal finance and business and hence people enter the world totally clueless as to basic concepts of business and finance.  25 years ago when I was financing small investors I made a loan to the purchaser of a small 12 unit apt complex.  

I PERSONALLY feel the attorney should be neutral and alert me to red flags and lay out my options.I 100% understand why my real estate AGENT would push me, so ...

If purchased with financing and the security interest represented by the UCC was timely perfected, I would have a completely different opinion.It is actually a loan, however, the panels are not attached to the property as is stated in the agreement:"Personal Property.