I have secured an other appointment this Friday from a cold all.

I spoke to a  real estate agent friend and they said that I will need the social security number of the previous owner to sell or list the real estate that I got at the sale.

Also, I am not aware of any hard money lenders taking second lien positions, perhaps you can secure a personal line of credit or partner with another investor. 

Update:  I shopped around a lot, and was able to secure 4.00% when my regular lender was robbing me at 4.37%. 

the way im structuring things is everything is tied into a security deposit.

@Horacio Gutierrez Like some mentioned, using Venmo is a very popular and secure way for people to transfer money instantly on their phones.

Do you like your job and just want to invest for secure cash flow for potentially early retirement?

They already gave you their social security number, birth date, income, kids' names, criminal background check authorization, etc... and they think a quick head-poke inside the front door is intrusive? 

On residential some banks will provide a working capital deposit at closing that you can use for plans, permits, etc, but they will not release the first draw until the permit has been secured. 

Personal checks for security deposit aren’t a good idea, so I would recommend not accepting them as a payment method on move in.