You may want to restructure your LLC to have them as severely minority partners with no signing ability and then close the loans with the citizen.  

One gentalman made the remark that everyone under 30 knows about BP.  

Due to the ability to offer anything from conventional on down to sub-prime loans, and some commercial I was able to help fund deals for REIs.

The ability to post on the marketplace when you are looking for services is a good.

I want to have the ability to retire young and live life on my own terms and not be worried about affording to live.

I don't believe they can enact any new laws that would limit your ability to do them.

I have done a little research but heres what ive gathered: -They are commercial loans, so they will need to be lended to my LLC but with me and my wife  protecting them with our assets -It is a different process to qualify for a commercial loan -it does not hit my personal credit, as its a loan to my business, im sure theres some impact if we were to default -It can cover all three properties, as if it were one, while still giving me the ability to sell one if need be. 

When a bill is paid 2 checks could be cut based on ownership percentage same with income.

I have worked with him as much as possible, but his situation is not changing and his ability to pay is not improving.

I know that most people have a HVAC guy but I am willing to help educate any of you to the best of my ability here on the forum or in person if needed.