I am a lender and happy to answer any questions you may have! 

I got dollars to doughnuts the original poster did not pay tax on the money he pulled out for the two refinancings, so how can he be “haunted” now? 

Just browse the forum, see who answers tax questions and how, and find people you want to work with.Then contact them individually.

Thankfully, the answer to all of my questions was a resounding: yes!

As others have mentioned on here, every person's tax situation is unique and answers are not easily given over the internet and can often be incorrect. 

A lender is not going to lose money on a deal for you to gain experienceYou will need to partner with someone to get experience and at the same time start savingTo answer the other question you typically will need 20-30% down to get hard money

I'm wondering if anyone can help me answer this question. 

I agree with Melanie that you should do what you can to not answer questions on the spot.

Consider what questions the potential mentor may ask and how you would answer.

Hey Austin,This question doesn't have a straightforward answer.