I'm not sure where they might have been looking but 4 points seems a bit high based on what you just mentioned above. 

Your entire price will be based on how many square feet you have as well as color of granite.

If the tenant disputes the amount and wins, the payment will be reversed from your account.As a landlord, you have a few options based on local laws and regulations:1.

So, your issue is with the county government based on what you just said because a home built by a licensed contractor would also have not been inspected.I'd be JUST as concerned about a contractor built home with no inspections as I would a homeowner built home with no inspections.

Here's my assessment based on what you described. 

Based on what you've shared it sounds like you answered your own question.

We require strong LL referrals and state this requires more than paying your rent on time.  

Hi Theresa, 25 years means you've been dong something right :) Check in with @Joseph Chiofalo they are NY based and offer creative fix and flip, bridge and constructions loans.

just need a strong attorney, architect and engineer 

I am an investor and real estate agent based in Ohio, and I do have real estate investments in Dayton and Cincinnati.