I think the main thing would be access to the books to make sure of the expenses.

In my opinion, TXTing takes out more from you then actually bringing in - It often feels like a constant game of cat and mouse with phone carriers.

This access allows them to match investors with the most appropriate lenders, often resulting in favorable loan terms that align with the investor’s financial capabilities and project timelines.Moreover, a skilled private money broker excels in navigating the complexities of securing financing.

When you are new as an investor, you also don't want to work with a new agent (you).Overall, I think a RE license is good for access (to homes to get reps and to the MLS) and I think the course itself is way more valuable for investors than agents (most just stay in residential and don't need to use all the weird stuff you learn).

I watch the market constantly and knew that the area was improving quickly and that it was a desirable place to rent.

Additional things to consider: where is the breaker box and do both units have access to it if needed?

Yes, full access, so not outsider uninformed of what's being said, taught, promoted, and NOT said, taught etc.. 

From what I understand, they knew you had some asset of value and this scheme allowed them to access. 

Access to Larger Loan Amounts: Cross collateralization allows borrowers to leverage multiple properties, which can lead to a higher overall loan amount than what might be possible with a single property.2.

I have 2 units I constantly have to chase for rent and if you can avoid this by looking for additional applicants I recommend it.