You should find out from your local building department if they will accept what is known as standard construction plans or if you will be required to have them produced by a licensed architect and licensed structural engineer.Usually if your city will approve your proposal the electrical and gas meters will be installed , after your inspections have been approved.

I'm no veteran agent or a million-dollar producer (yet) but I have learned a ton by making my own mistakes as well as watching what the great, and not so great, agents in my office do. 

I want that liability paid off so I have no debt that isn't producing income.  

When you get into the millions you can start landing better debt.Some other investors I know have closed many small deals for multifamily successfully through Arbor funding.I do not have personal experience with them but maybe something you could look intohttp://www.arbor.com/loan-products/small-loan/Another option if you have some cash is to find an older owner that has sucked out depreciation and wants to retire and get money in small chunks back for a loan over time.

I think I have a great product and I need help getting it out there. 

Excess idle capital you can put to work in income producing properties. 

I like to see my income produced from assets grow.

On the surface, sounds like it's potentially the right product for you.

This is a long, regulatory question and issue as to why we do it this way, but in short, it doesn't cost millions to get SEC registered and it has allowed us, and many like us, to start our companies and offer these products online.Lending Club issues unsecured consumer loans (think credit card refis, car purchases, vacations, etc. -- anything you may need money for, up to $35K) and they have recently begun offering small business loans as well.

@Tom KeithThanks, so each flip/property is taxed just like a "sales tax" on a product when it is sold?