If you do a reverse image search on Russell E Harrelson, from the Scala Funding site, you’ll be directed to several sites you don’t want to click on.

The other 47.2% goes against the sch E reporting where there is no cap. 

I don't want to go over 10 years on the loan and ideally would go to a bank after it's up and running. 

It's not ideal and I'd avoid it if you can, but it's better than self sacrificing on YOUR own investment business riding around with cousin Suzy looking at bad deals she thinks are great because she doesn't know the business.

Ideally, they have experience working with seller financing.

YesI am a vet myself although I now have 10 years or so of Schedule E income, but have done tons of research on VA's.  

I knew I wouldn't be receiving much since most of our business is digitized (e-bills, etc) but occasionally I get a vendor/service that wants a good ol' fashioned "address". 

There's a ton of good books on this to help get you in the right mindset - E-Myth, 4hr Workweek, The One Thing, The Power of Habit to name a few. 

Problem is I don't have the 20% cash right; most of these duplexes in my area (I'm in CT) in a decent town that I would consider are between $250k and up West Hartford would be ideal for me but there they are much higher.  

Ideally, I'll have some living expenses saved, and can try to survive that tough first year as an agent.