no, they aren't using a personal guarantee because they are scams. good luck!

Thanks.Hi MyraI'm actually more involved in helping people avoid being scammed in real estate related activities, and investing in real estate is a side business, but here's what I think will answer your question.E&O insurance aka Errors and Omissions insurance reduces the risk of potential lawsuits from sellers or buyers claiming the sales associates and the firms they work for had prior knowledge of any discrepancies or substandard work.  

I use American Tenant Screening, and they charge $25 for an address verification and nationwide eviction and criminal check.

what should a land lord look for in  the tax returns of a self employed person  net or gross

One realtor almost coursed me out and though I was trying to scam her mother.  

I have never heard of it but sounds like a load of crap to me.I hear about things like this all the time that turn out to be scams.

Somewhere ranging from 620 - 660.Interest rates vary, but with no experience and little no no business line of credit history, you are looking at 12-15%, to be paid back in interest only payments.HML usually will cover 80% of total project investment, some will do 90% depending on state.Expect to also pay 2-4 points of any money you do get, along with $350-$500 for inspection/appraisal by HML.You will usually be expected to give credit report/check, asset and financial sheets, along with income verification. 

I have even been scammed of $2500 already to help me with this.Any info on a legitimate program or service that can help me would be great.

If that's truly the case (and you could be confident it wasn't a scam), then it's definitely something I'd do.On the other hand, if I lost my $5K (or whatever the option money was) if i didn't purchase, then there is a down-side risk. 

Obviously one lawyer says that I can, but I'm looking for some verification or for that matter refutation.