Would you stick with the bank  (have kept the communication going with my contact on what i'm working on, high level is 25% in, 9% rate amoritzed 15 currently but I think they would do 20 and also includes construction phase but not sure yet on when it would switch to p&i) and go that route or would bringing in a cash partner (friend/family, have multiple people interested) be something to consider?

Your friends and family know you on a personal level and question your capabilities. 

He is a friend and willing to be flexible for a creative solution as he just needs some of the cash for a down payment. 

Currently I have reached out to one personal friend who is a real estate agent.

Residents can pay $1600 for rent and be in nicer areas of Memphis with better food, school, job, and transportation options. 

And I have a friend that is informing me of the next meetup he goes to so I will try my best to meet others and gather what I can learn from their experience.To answer your first question its a residential portfolio of single family, duplexes, a few triplexes and two quads.

I am also an appraiser that works with local and out of state investors make connections with local investor friendly lenders and property managers.

@Amanda G.To identify investment-friendly neighborhoods, use A/B/C/D/F classifications.

It is a great place to meet new friends and learn about various aspects of real estate and more.

We interviewed 3 realtors:Realtors:Realtor #1: 6% sales fee - very friendly but very "salesy".