I am needing a "tax man" that can he me protect me from the IRS and take he best advantage of the tax code.

That way it gets it into the court system and protects your interests moving forward.

Would you protect brokers / consultants with a fee agreement, and what would you include?

Check out their work, check their references, and make sure when you hire a contractor, you get EVERYTHING in writing to protect you both.

I would have just trusted your gut at the beginning and said no, you don't need a reason when it's not a protected class you are denying.

If anyone is familiar with PA lending laws or has any advice on a creative situation that is legal, straightforward, keeps both parties protected and requires the least amount of effort to the funder, I would be very grateful. 

That will allow you to have some protection.

Collect the maximum damage and LMR allowable in your state to protect yourself.This couple is extremely high risk and having a co-signer will not prevent the train wreck you will likely face.

To protect you against anything they didn't discover or anything that could come up in the future that wasn't recorded at the time of sale they issue you title insurance.

I need to find a way to structure this business so that I am protected and our partnership is legal, too.