@Sam Jiang Do not ask your accountant legal advice and don't ask an attorney accounting advice.

Legal?

You also may want to require in addition to down payment from the buyer 6 months to 1 year mortgage reserve payments in advance.Do not set your interest rate below market or you could get hit with imputed interest charges on taxes.No legal advice given.

I do not have a realtor/broker license and have recently been reading that it has become harder to connect buyers and sellers without legal repercussions because of this.My question is what is the best way to connect a seller to a buyer without infringing on the legal properties that licensed realtors have dedicated to them?

But I would think the personal loan is no different than any other debt to be consolidated using equityWe’ll find out soon because I was just referred to a local lender by a bp member yesterday that will do. 75% ltv w no seasoning.  

My wife and I have been saving money and paying down debt waiting for the market downturn.

What you're essentially asking for is legal advice, and for that you should seek out an attorney knowledgeable in this type of law. 

And as a note - do not be blind to unexpected things either - keep plenty of cash reserves, only use long-term debt (forget 6 month loans, unless you know what you are doing!!!)

No attorney can really help you as the bank has no responsibility, or perhaps even the legal ability, to negotiate anything with you.You have no recourse against the county or the courts.  

To me, the NOI and cap rate seem low especially after you take into account a debt payment for the property.