He who understands it, earns it ... he who doesn't ... pays it."

To further the thought of regulators looking at Mortgage Servicers is an article from todays paper where Ocwen Financial had to re-state earnings. 

Apparently that is considered 'Real Estate Brokering' and paying a referral fee is a right only a broker or agent has earned.

We not only lost our hard-earned money but on top of everything, our health suffered, I had several sleepless nights due to the stress and anxiety that this horrible experience created for my wife and me.After the buy-back was completed, I approached Maverick to at least help us with our losses by requesting us to give back ~$6000.

I believe it is to simply have you resubmit for another draw to earn more money in fees. 

Other than that, if your goal is to buy something that is more or less turnkey or is at its peak as far as value and use, you will probably need 15% at minimum, but most conventional lenders will cap you at 20% down for SFR's and 25% down for 2-4 units as was stated in a previous post.What is your goal? 

However, I am not quite sure how to figure out if that would even make sense.I guess it basically comes down to paying no tax and only earning, say 6%, versus paying tax and earning 12%.

This also applies to any "wrap" mortgage agreement.A "Partitioned Note" is one that divides principal, interest, payment or other terms, such as a balloon requirement into separate parts but is constructed as one obligation and secured by one security agreement, in Texas that would be a Deed of Trust.In the body of the note, each part must be described as an individual obligation as being a part of the entire obligation.I can have as many parts or partitions as necessary to meet the needs of several parties or one party that has different underlying financing requirements.Conceptually, think of a Series LLC, where each member has their own cell which is accounted for, their capital and earnings within that cell and each cell is consolidated to the LLC for its financial statements.

That means a interest earned from that deposit is also the tenants money.

From what I was able to find, it seems like for Traditional investing you have to have either a lot of money or be able to get loans, and that it's not as easy as told to find people who are willing to provide you with their hard earned money.