Having been involved with the paying public for many, many years now, late fees do nothing for the person that's inclined to pay late.

Who would I need to involve to make this happen?

I also would recommend Jon Hyndiuk (Hyndiuk Law, he also owns ISR Title), Michael Plumb/Rob Sayas (Sayas, Schmuki & Plum SC)--I think Rob owns or is a partner in Royalty Title, Rob Saya's brother Jonathon Sayas is also an attorney and is Stewart Title's on staff attorney, and James Eby who is also a popular RE lawyer and he's been involved in some probate deals we've done.

I bet she had something to do with it. :)

Thats your best bet to finding something that will work numbers wise. 

The determinations of whether such investment income is considered to be ordinary interest income, net rental income, and/or capital gains are much more involved. 

I work for the post office and when an address is changed, County 911 has to be involved in changing in.

Taking action is the best next step since you've already been listening to the podcasts and getting involved in the forums (it's also the hardest :) Since you have a good job, find out how much you can qualify for and go from there!

In this instance we have 4 parties involved.

One of the more confusing things for me with RE Investing is the math involved.