Since I’m not opening a LLC or anything like that it just goes on an additional document along with my individual tax forms.

The big news here is that a class action law suit is going forward against the City of Bedford in the Northern District of Ohio contesting "all homeowners who were forced to endure government searches as a precondition to the sale of their homes are entitled to demand refunds of illegal “Point of Sale” inspection fees".A similar suit has already been adjudicated in the Southern District Courts in favor of prohibiting the practice as a sale requirement.41 communities in Northeast Ohio require some type of POS for title transfer which I'm sure is a source of income the cities don't want to see disappear.

It's why business between HMLs are with LLCs because they aren't licensed to do conventional mortgages to individuals. 

You guys are an awesome group of giving individuals.

However, as a licensed agent, I legally can only do the deal as myself, an individual, not acting as an agent to anyone; self-representing.  

BP has been an awesome place for me to post any questions that I had about Real Estate on the forums, connected me with some great individuals and been my catalyst for making my real estate moves. 

Individual retirement plans were developed for people who do not know how to manage their money and save for their future.

That divide seems to be driven by the mindset of each individual and what they are trying to accomplish.

There is strong rental demand.

not been missing something, it does make me wonder if there simply is no better overall approach than holding RE assets in my name to get better lending terms, and loading up on umbrella insurance.The prospect of getting loan terms that don’t come close to what I can get as an individual in exchange for getting to own through an LLC just doesn’t seem to be worth it.