The hurdle I'm running into is whether this can be a personal checking account, or needs to be a business checking account.All 3-4 people I've talked to said to simply form an LLC, and transfer the title, without a solution to renegotiating my mortgage in the process.

I’d love to be able to either cash out refi, lower the interest rate, keep the payments the same OR simply refi the loans at current values, lower interest rate, and juice the cash flow a bit.  

That is the whole idea of self-directed investing- that you are able to make choices that are not available with typical IRAs and 401ks, but it is up to you to make good choices based on your situation and goals.As for fraud, I believe most of this has to do with the investments that can be made with a self-directed account that are simply not possible with a typically-restrictive IRA or 401k.

Rather, they are readily observed by the seller and therefore it stands a chance of connecting on a deeper level with them than simply flinging lower prices around.:) 

Before we get into that, let me define the difference between a sale and a refinance.Selling: Very simply, what happens in the event of selling the property if the investment performs well is that all investors get their invested capital back, and on top of that a portion of all the profits the property has made in appreciation over the years, depending on how the deal is structured.Refinance: During a refinance, the sponsor aims to return as much of the invested capital back to investors and then keep the property for a longer period of time.

Right now all you newbies are spoiled because the market is good. haha but when it is not good you will starve a little.as one on the receiving end of virtual wholesaler calls DAILY I can tell you this is simply a telemarketing job.. 

Many leases automatically "roll" over to tenancies at will (month to month leases) after the first year concludes. 

thing, I simply pull up the contact info for mine.

When paying a bird dog should I have an agreement or simply keep my word?

2) When opening the business credit card, they require an individual's name - you cannot simply use the LLC.