One of the main reasons that you hear different stories from lenders is because lenders might have different TYPES of loans.

A while back I passed my pre-license course in GA and never continued to take my state exam (my job was going so well and my main focus was finding a deal to invest in at the time).

@Peter TrifanI agree with @Gino Barbaro, the more insurance contacts you have, the better.Last time I got insurance quotes, I reached out to the main brokers in the area and the local lenders to see who they recommended.

This home is 3/2 with hardy exterior, barrel brick ceiling entryway, spacious floorplan, vaulted living room, vaulted main bedroom, walk-in tile shower, and granite throughout What made you interested in investing in this type of deal?

in Sojac these days its pretty much landlord dominated and values only track what a landlord is willing to pay for a given cash flow exit is very limited there is not much in the way of owner occ their anymore.when i first started lending in Jackson about 2003 there was a ton of owner occ flipping going on in sojac and thats all we did.. then the lending rules tightened in that area and the only exit became to sell to landlords and mainly out of state landlords as there simply is not enough local landlords to take up the inventory that has become available there. 

I am mainly looking for single-family homes, but I am open to other options as well. 

Looking to invest in the main area’s of texas = Denton, Tyler, Kyle, buda.

All around Jackson, Conway and North Conway you can find some great SFR's, Townhomes, and smaller cottages that get a lot of traffic 365.You have 5 main Mountains to Ski/Snowboard/Tube plus lodges all in that area as well as a great off the beaten path town filled with coffee shops, Bars, Restaurants, Ski shops, Outlets, Mall, and a  Main train station that goes all the way up into the White Mountains. 

The main purpose would be as last month rent in case they skip out.

The main question here is this.