Yes, private lending is simpler than restructuring NPLs, but the return on investment is also generally lower since a private lender is generating a loan at 65-80% of the asset value, vs. buying a NPL at 50% or less of the asset value.

I have to spend some time restructuring so I can get that cash in the bank.I like what Sheena L.

Is there any way I can restructure to lock it in and use it to temporarily augment my emergency maintenance fund until I can get it to a healthy level with rents.

You could restructure, bifurcate note, cross collateralize, add co-guarantor with equity, add security, ad infinitum solutions.

I have read many horror stories on people investing with the wrong company structure and having a hard time restructuring companies without losing all profits.

If you're bad with your personal finances (please don't take offense, this is just a hypothetical) and the $11k per year is probably close to all you'll be able to save, then I think you might need to restructure your budgets and increase your savings (I assume this isn't the case, you're on BP and looking to invest.  

Does raising the rent mean raise the deposit , in the middle of re structuring a lease, and ill be raising the rent, does this mean tenants will would need to pay additional money for to bring the deposit to equal the montlhy rent ? 

I'd suggest you also restructure your monthly expenses radically as to save every last penny.

HaThis is all done with working with listing agents who offer Real Estate Commission Rebates.However if this is not an option for a seller, and the seller is stuck with using a listing agent that's not willing to share the commission, the listing can be restructured in the above manner. 

We have 5 properties, all Fannie Mae and want to restructure our loans to recapture equity and reinvest.