Criminal background will weed out some bad actors as well.  

Good move, or bad? 

You’re risking other people’s money and you also need to get burned if it goes bad.  

I don't think it would be a bad thing to open it up to any real estate investors and not only BiggerPocket Members. 

My accountant was lazy, not well informed and provided bad advice.

I usually try to get 10k but sometimes its not possible and I would prefer to make something and give the investor a good deal rather than make nothing trying to move a bad deal.

This would be a very bad idea in California.

Too bad, tenants aren't saying a thing for fear of paying.

This is probably why you want to bring equity back into your US business and any other investor might make the same choice as you.I brought up the challenges to come up with the solution, which was my last paragraph.

Sterling,Each lender is different on how they calculate income and also what overlays they have that can cause a bad income calc.