However the property I was under contract for, while it had a garden all set up, it wasn't legal.

Quote from @Robert Marx:Robert, this sounds like a little messy situation.

Yeah, in general, what you're describing is legal — offering discounts to law enforcement officers for homes you're selling or renting is allowed as long as it's done fairly and doesn't discriminate against protected classes under the Fair Housing Act.

Over the last year I have spent many hours on the phone with them and provided proof of payment with requests to audit and correct records to all three companies (originator, temp servicer, final servicer)  but to no effect.I think it is time to find some legal help. 

You would know that before you would know what market rent is or how to correctly (and legally)  screen the good tenants that apply. 

My ML model then analyzes available property listings combined with market data (crime rates, appreciation trends, school scores, etc.) to recommend properties that align with the user’s goals — cash flow, growth, or safety.I’m trying to be extremely careful to ensure that my system does not cross any legal lines, especially with regard to Fair Housing laws or algorithmic bias concerns.While the model doesn’t discriminate on protected classes (race, gender, etc.), it does consider factors like crime rates, school quality, and local economics — all of which can indirectly overlap with sensitive social patterns.

It’s legal if the operating agreement says they can do this.

Here are a few thoughts based on your goals:HELOCPros:* Flexible funding you can draw from as needed* Interest-only payments during draw period* Typically lower rates than hard money* You retain full control (no partner splits)Considerations:* It adds debt secured by your primary residence* Rates are variable and can rise* Make sure the rental income will comfortably cover your existing mortgage + HELOC paymentsIf your credit is solid and you have enough equity, this is usually the least risky, most cost-effective option for a new STR.Hard Money LoanPros:* Fast access to capital* Can help you compete with cash offers* Often used for flips or BRRRsConsiderations:* High interest rates and fees* Short-term repayment (usually 6–12 months)* You’ll need a clear and quick exit planThis can work, but it’s higher risk.PartnershipsPros:* Share risk and capital* Bring in someone with skills or market access you lack* Can accelerate your growthConsiderations:* Requires legal structure and strong communication* Profit splits reduce your long-term returns* Can be messy without clear roles and alignmentPartnerships can be powerful if you find the right person.

Note: This information is for educational and informational purposes only and does not constitute legal, tax, or financial advice.

I understand it’s not legal advice was just looking for some suggestions.