If you want to try the card you originally got declined for, call them on the phone.

@Nate Shields - I heard the same origin story regarding the Featured Agent program from the sales folks that disappeared. 

Does anyone have any ideas on how to minimize that tax liability and still continue with my original intent, or is my only option a 1031 (I'm aware of DST but don't see that as a great option).  

If anything, a concerned owner would want to have a clear understanding of a PMC's screening criteria and fully understand the process - which we originally posted.

Originally posted by @Ali Boone:It's a fine line and gray area about this, but with everything I've ever done, it is officially illegal to pay a referral fee to an unlicensed person.

But, he never asked me what paint or color to use before doing the original work.

I have some out of state Airbnb's and having people you know, like, and trust there is huge so that is great that you are originally from Ohio so hopefully you can find some good connections there.

Loan amount is 283,500 for the two properties, origination fees are around $4,300. 

If you're getting back into the lending game for long-term hold investors, a realistic “ideal” loan might look like this:Rates: Somewhere around 6-8% interest, depending on the risk profile of the borrower and the property.LTV: 70-80% LTV is solid, especially if you're aiming for lower risk.Term: 5-10 years works for LTR investors who want stability.Fees: Reasonable origination fee (1-2%) is expected, but avoid nickel-and-diming borrowers with hidden fees.Prepayment: A soft prepayment penalty could be fair if paid off in the first couple of years, but after that, no penalties.Speed: Being able to close quickly (within a couple of weeks) would be a huge plus.In short, give investors a competitive rate, decent terms, and flexibility on prepayment, and you’re golden.

I have been an originator for over 8 years and it has helped me with my personal investing significantly!