They require tax returns, voter registration, car registration, driver license, and utility bills in the app to prove it's your primary.

They aren't making money on the loans and the true business driver is the pref equity raise for their own deals.  

One of the drivers for me personally before the GFC which caused me to start all over.

For bigger jobs I have went with the "Have it delivered and I will cut the money to the driver".

I don't know the city well, but seems to be light on demand drivers other than Baylor University. 

Look at rent growth trends, vacancy rates, and the area’s economic drivers.

And there’s no catalytic economic drivers for those areas.Don’t do it unless you are doing it just for fun and pure speculation.  

The Economic Development there is focused on building competitive regional talent, diversifying the regional economy, transforming Montgomery's image and building diverse community capacity.Major economic drivers to the area include Hyundai manufacturing, Maxwell & Gunter Air Force Base, major Amazon distribution, Alabama State Capitol, Alfa Insurance, Kinpak, H2 Pharma, Dollar General transport/logistics, Dow Chemical, and Conner Industries to name a few. 

If cash flow is your main driver, not sure how well the Madison, WI market would stack up. 

It’s about more than short-term gains; it’s about creating a self-sustaining system that prevents the very liquidation events that drive rents up and communities out.4.