Also, I am only comfortable with five mortgages.

I think most "multilevel marketers" cross that line.I am also not at all comfortable with recommending that people join an MLM. 

Even better get her involved so that your spouse handles the financial part of this if that makes her feel more comfortable.

This will build rapport and help them to like you and feel comfortable telling you things. 

We have all lived in a very comfortable environment of low-interest rates and quantitative easing/easy money policies for a number of years, and this has benefitted both home owners and ordinary real estate investors with low leverage costs.

At that point, they may feel comfortable enough to carry on doing their own or may enjoy the local knowledge and safety and security of someone who has the experience to take things to the next level. 

We gave my fiance's son the extra bedroom and closed in an unused dining room for her two girls to share.

The next step is learning the market well enough to feel comfortable.  

There's a balance there though...learn enough so that you fell comfortable, understanding the fact that people who have been doing this 20 years still don't know everything.All the best luck to you sir!

you can google prom note and do yourself  unless you have some complicated scenario.you can also buy them at any good office depot type store  same place you buy generic contracts and leases etc etc.Usury is the rate of interest that is allowed to be charged again just google in your state.but if your more comfortable having an attorney do it.. then by all means.. but certainly not necessary if you have a basic understanding of these things.