This was on the MLS (big shock) and we worked with Stacy Rozansky with the Envision Advisors.

In other words, you need to be well established in Colombia before banks will even consider lending to you.

Following, as I'm looking to purchase in Milwaukee and needing to establish relationships with my core 4.  

Not at all.If your competitors have a website and you do not, chances are you will get nothing.Before sending cards, before telling people you can buy their house, you need to have established credibility.Can you be found online when people search for your name.

Just make sure they are established and have done many deals in the past - the best private money lenders are those that come recommended through your network. 

You also establish a lot of useful relationships and see the process of real estate transactions first hand.

Though this ruling affected that small district in California, it is common practice for other cities and states to cite pre-established cases, thus setting a precedent across the US.

And while I hear a lot about "establishing teams you can trust" to do these things, it doesn't seem cost effective to have a team of support people for a single property. 

The City of LA (DWP) will send the overdue amount to collection against the person who established service. 

As long as you are honest with yourself and them, you have nothing to be ashamed of.The same people that walk into a financial advisors office at 58 and say, hey I have to start saving so I can retire at 65 are going to be those ladies you are worried about 20 years down the road.