But yes I advise people to be cautious until a proven track record is shown and that's where reputation comes in.  

There are some very reputable companies in Memphis that offer that product.

@Christopher ChamberlainDefinitely get a reputable attorney on your team.

I insulated and they changed every bulb to LED, put plastic over windows and a bunch of other things.

It is a great way to never make money and build a reputation (not necessarily a good one). 

All that is to ensure that you're dealing with a reputable lender and not someone who's scamming you.

This family owns all of these houses free and clear with a good reputation from not only the community, but their tenants as well.

Not sure how reputable/quality that site is yet...https://www.rentjungle.com/average-rent-in-raleigh-rent-trends/

My friend is not licensed, nor insured - but he knows construction and is sub-contracting out the work to reputable laborers from his personal network, some also uninsured.  

As I said, the seller is in a distressed situation and really pressed for the funds to take care of elderly parents, who are the original owners of the property.I was told by a reputable bank in my area that handles land lots loans, that I don’t have enough liquidity and I would need at least $100k in my bank account to move forward.