@Yvette Rodriguez - please be advised that TX can do 2nds (I've done them before) but they are a fairly efficient state when it comes to non-judicial foreclosure.

Period.

If you are adamant this is how you will scale your business, I would overemphasize the importance of systems because the BS minutia operating real estate in these markets will be greater than in higher barrier markets where greater operational efficiencies exist. 

Assuming this is their natural child, they've managed to build excellent credit for the wife over a long period of time.

The period I used was longest on neighborhoodscout.  

For the 10-year period spanning July 2014-2024, single-family prices in Austin nearly doubled, yielding an annualized appreciation rate of ~9.6% in that period.Recent data has given the Federal Reserve confidence that it has successfully tackled problematic inflation while avoiding a recession.

Is there an efficient way to compare APRs between credit unions?

each area has nice features but they are different in valuation >the ranking's in Neighborhood scout don't give any scale.neighborhoodscout provides percentages in addition to the numeric comparison score I find more useful because it is not as easy to recognize if a certain percentage is good or bad over a period of time.  

The amort period and the balloon period should be very close to the Funds cycle timing. 

Speed and flexibility tend to go with the ability to do deals well, but I think making sure that they are a lender comfortable and efficient doing the basics of the deal will help.