They would be risking going out of business for unforeseen events that are impossible to track.

The borrower and the security (the asset and docs associated with it).As a lender, you want to ensure the borrower has a performance history, can show skin in the game (some of their own capital placed into the investment), and has experience in performing on the particular investment.For the asset, you need to make sure your a LTV (loan to value) does not exceed a set amount you choose to give you “cushion” in the event the deal goes sideways and you need to take the property back.Your loan docs are also important and should include all the things you need to protect your investment such as a deed of trust (or mortgage in mortgage states), promissory note, balloon rider if the loan is not a fully amortized loan, personal guarantee rider (which is only worth something if the borrower has personal assets to go after), etc.For the asset itself, you need to know the strategy (buy and hold or fix and flip) verify the condition and amount of repairs, know the current market value and future market value after repairs, and have a plan in the event you need to take the asset to recoup your investment.

In any event, you need to post a lot more info in order to assess correctly, and as Sean mentioned above you'd need to do a whole lot more learning.  

You simply cannot be subjected to their schedules for emergencies - I guarantee you in the event of a gas or water leak, for example, if the adjoining owner is at work or out of town, the gas or water company will turn off gas to the whole building if necessary, without their permission, so they might as well give you access to prevent a whole building shutoff for emergencies.

I was wanting to attend another seminar in my area (Orlando), but I dont see the events anymore.

I'd like to begin growing my own portfolio of cash flowing properties to hold onto long term.I've been saving for a house under the impression I needed 20% to be safe but have since had my eyes opened after going to a local event NetWork to Grow Your Net Worth and since then I've been doing new research.

@Jeffery OlaruHa - it was a great networking event. 

They can also be an LLC that specifically elected to be treated as a corporation – there is a box for this option, too.If they signed that they are a corporation, as opposed to a single-member LLC – then you’re off the hook.What about DBAs?

The fastest mortgage bank in the country right now works exclusively through independent mortgage brokers (a huge part of what helps them deliver on that speed is us handing them files already neatly packaged up, as opposed to what consumers provide... just this week I asked for most recent month of paystubs, and a person gave me a 107 page PDF with non-paystubs from 2018).

No, they all have completely horrible interest rates, and ridiculous fees to boot, that's why it's "hard" money, think of hard booze as opposed to a decent glass of wine.