You can handle the pooling issue quite easily when you know how.
Let’s start from the top and I’ll tell you how I personally avoid potential problems with pooling.
I don’t bring multiple investors in under a single collateralized investment. What this means is that I don’t put more than one investor on a mortgage. I don’t form a company for my investors, put them all into a company and have that company loan me money for a deal where I give that company (made up of private lenders) a mortgage or lien. It creates way too many potential headaches.