If it's a larger organization, feel free to inquire about their staff qualifications.2.

I like llc for organization and use insurance for protection. 

Better to have closed with the high rate and then work on organizing you credit and using something like quickbooks to pay on time and change your habits.

I even wonder if this is an organized scam.

Once you have the track record, it becomes very easy to raise funds.Ultimately, when borrowing private money, you are selling yourself so you must have confidence and that confidence must not be fake, it must be backed by good research, showing you have the team to complete the task, and that you are organized to complete it efficiently.

Quote from @Andrew Garcia: Hi @Nadgèle Zéphir, typically, borrowers with no US credit are foreign nationals with no income or permanent residency in the US.However, since you now have permanent residency in the US, you cannot go that route.There might be a lender that I can refer you to that can help.Let's connect to see if they can help you out.Hi @Andrew Garcia - I am actually not a permanent resident, but under a G1 visa and I am currently in the process of obtaining my work permit to transfer over with my employer that is a US organization (so I will soon as a W2 job in the US).

Go the agent route and use the skills to more effectively organize myself to be a more effective investor?

If you believe that your property is exempt, check with your real estate attorney to draft a notice of exemption or consult with a professional organization like California Apartment Association or California Association of Realtors for up-to-date forms and information.Providing tenants with a rent increase noticeIt is important to be clear and timely in communicating with your tenants if you decide to increase your rent.

You need a organized system to save and record your income / expenses.I save receipts to my google drive(Any online storage will work such as dropbox or apple drive)I record all my transactions within google sheets(excel will also work)I then make my accounting work easier within quickbooks(Xero, Stessa or quicken will work here)

If it's a larger organization, feel free to inquire about their staff qualifications.2.