We must remember that counting on appreciation or cash flow in the future is a dangerous game to play.

Is there something/a substance we can apply to help loosen the valves?

That's potentially dangerous for that mortgage broker to have done!

The danger is if someone in the chain doesn't perform, lots of people are involved and lawsuits could get started if it didn't go properly.

However, I only know enough about accounting to be dangerous - which I'm trying to void...Lastly, I have no clue how they charge for their services. 

Red Bank is not considered a dangerous area, there may still be a couple low end homes but overall most of Red Bank is hot and most areas close to North Chattanooga would be a pretty good find if the numbers work.

In fact, sometimes, it's a dangerous thing to have money but no knowledge and then you jump in and lose it all.

Even more dangerous you have "Dunning Kruger" effect when you have a cognitive bias in which you have the low ability and believe that your ability is superior than it really is.  

Yes, that's always a danger when rehabbing for rentals.

SIDE FOOTNOTE: CASH Deals can be dangerous so I recommend NOT doing any.