Hard money lenders for what I know have higher interst rate and charges point. 

I borrowed money from relatives.I financed houses 90% to 97% with first mortgages.I borrowed second mortgages.I borrowed on unsecured lines of credit/signature loans.I got a partner to put up the cash, because I had none.I borrowed on credit cards (I do not recommend this).The first 11 properties that I bought were all essentially 100% financed.I talks some more about this in the bigger Pockets Podcast #82 give it a listen.Merry Christmas, I just gave you 10 gifts above.

They charge like over 300 a month now for the same thing.

I really cant decide and am not knowledgeable enough to run all of the various scenarios.However, I think I could sell them owner finance for $30k due to their location and the fact that they are all fairly new thus creating a note and then be able to charge say $200 per month in lot rent on top of that.Any thoughts or ideas?  

Credit Cards seems to be a big one, and yes they do work and I have used them to purchase one home. 

Would appreciate any recommendations And what a reasonable amount to expect such an attorney charge. 

Just a lot of people trying to take advantage and charge me for their knowledge. 

Over the years of struggling in this business, trying to put deals together, working to earn a commission or an equity profit, I am blessed to have had the ability to be innovated and with creative imagination to invent systems, techniques and concepts that produced short cuts and made my job easier, rewarding and fun.Some things I have used or invented to help myself and associates to relieve the pressures of this business:A business card that people keep and play with and ask me for moreA Indian Head Nickel that has gotten the attention of bankers, prospects and many people who have received it.

I charge myself the rent I would have to pay if I rented the same apartment elsewhere, by depositing that money into the "house" account.

I tried googling BPO and Cleveland but I only get the brokers in charge of doing BPO.