I also will contact the Apartment Association for Los Angeles which claims to have advocates that represent landlord rights and can provide information, which I will then take to a real estate lawyer for verification.

If they are VERY professional, they will have their processes in writing as verification that policies are enforced equally and fairly by their entire staff.6.

HELOCs, hard money, private money, etc, can contain whatever provisions the borrower and lender agree to, to the extent that the law allows it.

That $7000 a month profit should have a chunk put aside for taxes, a chunk put aside for working capitol and a chunk to an account she has access to to pay household bills.

Portlandia the city that young people go  to to retire !!

Of those who can be passive investors, they want A LOT of validation/verification before they are willing to consider putting money in a deal.

It seems like the extra lender requirements would help you avoid a "Donkey" of a house, and be easier, and less costly (fixup and ongoing R & M timing) to to start to turn a profit on it as a landlord aka less likely to fall into foreclosure than a looser standards market down payment loan.

If they are VERY professional, they will have their processes in writing as verification that policies are enforced equally and fairly by their entire staff.6.

There is always Ron LeGrand, Bill Bronchick & Robert Allenand this Gem of AdviceUsing Subject To, to Get "Free" Properties https://www.biggerpockets.com/forums/311/topics/1060320-using-subject-to-to-get-free-properties-a-quick-guideline

There isn't any verification involved.I would add make sure you are using the cards for credit building, NOT spending money you don't have.