CL,There is a company called the  American association of private lender.

Its peanuts compared to the costs and responsibilities associated with a SMLLC.

When I was concerned that too many people would encroach into my Cslifornia probate market, I saw that one primary book in the tooic was both the book that the California Association of Realtors sold to their agent and broker members.

THESE “NON-EXCHANGE EXPENSES” INCLUDE: Mortgage points and assumption fees Credit reports Lender’s title insurance Prorated mortgage insurance Loan fees and loan application fees OTHER “NON-EXCHANGE EXPENSES” CAN INCLUDE: Property taxes Utility charges Association fees Hazard insurance Credits for lease deposits Prepaid rents and security deposits These rough guidelines do not address every potential cost.

Then every sock they lost in the dryer will be associated to your guy and you.Some guy who got in a bar fight, some guy who was driving reckless and damaged a bunch of property, somebody who got arrested for trespassing and chaining themselves to a tree for some protest... sure fine, but in the identity theft instance I would not risk it.

All options that I requested were 30y fixed - rates provided were 4.250%, 4.375%, 4.625%, with varying charges / credits associated with those.

In two of your three references, specifically the "second law firm" reference and Apartment Association of North Carolina links, I couldn't imagine why they didn't reference NCGS 143-151.42(b)(2) which is the exemption I've referenced a few times.

First, yes, a portfolio lender can certainly give you a very detailed list of fees and costs associated with a loan.Second, you mentioned potentially commingling retirement funds with personal funds.

Sometimes you can find local non-profit rental property association for landlords that put on classes for their members. 

Those who are taking the true long-term risks should be paid for those risks and their associated contributions -- no more or less.Jeff