Usually 12 month terms with no prepayment penalty.

Whatever title company you go through will get the tax lien and penalty paid.

As a lender, I'm seeking thoughts on structuring a joint venture with a borrower who intends to hold the property as a rental after rehabbing.  

I've been comfortable in the area I am in but want to seek out properties with lower property taxes and laws that are landlord friendly.

Are you seeking cash flow or appreciation? 

More importantly, considering how competitive the lending environment has become, any wise lender should want a reputation that they bend over backward to accommodate their borrowers and not nickel and dime them to death with petty fees, penalties, or threats.Hope this helps you, Samson.

It would be nice to have a place where investors of a wide range of experience level gather and don't care about making money off of each other but only seek to have productive discussions and network with others.

I am seeking a low-doc, cash-out refi on two properties that I own in GA. 

Certainly don't want to cause myself tax issues, but I'm not claiming to be a qualified business seeking higher deductions either. 

My gut instinct tells me one thing so I am seeking opinions and advise.