@Nichole Kinard there really aren't any mandatory requirements for campsites, although it seems like having some basics helps to drive traffic.  

Basically, I was lied to but of course this all happened over a phone call. 

We completed the work 2 weeks before our baby was born so we took a 4 week hiatus to rest and have the baby.Then I dove into the design, planning, and permitting for the basement.I visited the local Permit office in Alexandria and basically said, "Hi, I'm a new homeowner and I'm an idiot when it comes to permitting.

No those who took that tac obviously could have done better due diligence so its their own fault basically.

Quote from @Haider Tiwana: Basically impossible to find opportunities in Cordova / Bartlett these days.

The folks that do that work know what they can charge since your basically captive  IE the house wont work with out a new line.

Charlie called back today and told he is waiting for court hearing and will present his findings, basically the same as you shared above.Regards!

Asset protection in case one of us getting sued (I think it was a BP podcast episode where a lawyer told the story about the son hitting someone with the car and the family of the kid that got hurt suing them and them having to surrender their house.)

What are the basic steps?

Due diligence on the borrower should include a review of the borrower's previous communication patterns with previous lenders.I personally live this one with one of my borrowers, who basically ghosted me once they received the moneys from the loan.