2) Your credit score3) Purchase price and down payment amountI would recommend shopping rates with a few local mortgage brokers.

I don't know if this is required in your locality but if it isn't get rid of it.

I wish I could go back and have all my loans with my local credit union who keeps them in-house to avoid all this. 

Our current manager is in Huntsville and it is becoming clear that we need someone more local to Cullman who can be on top of showing our listings and taking charge of maintenance and repairs as needs arise. 

I am new to real estate investing and looking to connect with any local investor.

I also personally know students who have worked with Lee Arnold in my local area.

I like not worrying about being sued even when the local 2-bit lawyer tells me he is going to sue me (which he has done multiple times). 

I would also join every FB group for investors, from local to California, and post the package there as well.

Those willing to go beyond that could be good partners for real estate investors.Traditional banks/Local Banks and non-bank lenders - If they are a portfolio lender, meaning they actually hold on to the loan and don't just collect your payment, then they have the ability to be flexible.

To maximize returns, ensure compliance with local regulations, prioritize owning the land, and offer student-friendly amenities.