Need to explore private lending more, building my credibility, indirect marketing, networking, etc...gonna have to partner on this one and sell, so that I can fund my next deal.

My initial thought is that it is because we went to our Local Government Employees Credit Union.

Tax savings through depreciation (whether standard or accelerated) are essentially a 0% loan from the government but it must be repaid when recaptured. 

I was told they paid on time, $650 a month, and were on government aid so the money flow was reliable.  

Trying to buy a house by using OPM.

All altruistic rhetoric aside.My understanding is there are a lot of people living in the area who wouldn't "Screen" in a very positive manner juxtaposed with a lot of people who also live there who would "Screen" in a very positive manner, and not a whole lot in between.The local government probably doesn't want the "Screen Failures" to move out of it's district and somewhere else where screening is less.Because these "Lower Screening" areas do exist. 

Someone made the same argument before the Supreme Court and lost in April....https://www.supremecourt.gov/d...My understanding is if the loan was sold to Fannie or Freddie, when they were taken in to receivership by the federal government the state’s super lien law no longer applied.

no, you never "need" a buyers agent. in commercial it is common to only have a sellers agent, but it could help your credibility to have a agent represent you if this is a competitive deal. 

or any other idea how should I invest do not having to wait for years to gain credibility, without using  hard money lenders

LLC's are governed by the State they are in (mine does), and protections are afforded by that State.