Should the $10k loan be a lien on the house?

Greetings BP family,I recently passed my SAFE Act exam and am ready to begin building my book of business as a mortgage loan officer / originator in Virginia!

I have about 13 years left on the loan, and about $100,000 in equity.

I will likely have to contact an attorney, but first I will contact another loan servicer that I recently found, to see if they want to take this on.

My company does the following:• Free and simple MLO Licensing (22 hours online or in person and you choose your schedule)• Mortgage team to handle the backend (meaning, no structuring, underwriting or processing loans) • Competitive mortgage rates backed a company with 20+ years in the business• Downline revenue stream on the lending side (similar to EXP model.)• They do not have to change brokeragesIn my mind, there aren't many cons to this.

I don't mean residential DSCR or other non-qm type loans but rather loans for office buildings, stipmalls, owner occupied SBA loans, etc...

Consider lending the ~$100K equity in private loans secured by real estate. 

Especially nowadays with the cost of capital so high it makes even more sense to cause you're getting 4-5% to hold it, and not having to loan it at 10% when you're stuck. 

Can't find much online....  

other members’ deposits are used to make loans to other applications and in this case would serve as the bank’s consideration in Daly’s note.