I am currently a consultant and I have a CPA but I am hoping to break into real estate investing initially on a small scale and continue to expend my real estate portfolio until it is a full time occupation.

If someone is working with a lower balance of funds like I am, than I'm more likely to prefer cashflow so that I can continue to afford the property as well as my life style.If I had some disposable income that was in excess of what I need to live on, than I'm more inclined to look forward towards appreciation because I would have enough wealth to take the hit now for the bigger payment in the future. 

I actually wouldn't advise this option for a loan this small when the other 2 options are so compelling, but it popped up and is interesting to talk about.

You’re either conflating a different payment method than credit/debit(like giving direct non third party ACH access to your tenant to your account) or talking about a fraudulent situation with a judgement or you or your “someone” is being less than honest.

I can wait...Not needed, continue being nasty and objectionable as you wish, ;-) 

As Millennials continue to enter their prime home buying years, their impact on the housing market is expected to grow, driving innovation, sustainability, and inclusivity in the real estate industry for years to come.

Really we are just looking for a place to start and the type of people to talk to.

Talk to local and regional banks.

The city's growing number of people and its economy might also help raise home values and the cost to rent.Start by looking at your equity, research the rental market in Lubbock, check out properties with tools like BiggerPockets rent calculator, talk to local pros, look into money options, and choose if you want to run the place yourself or get a company to do it.

I'd be talking to at least 10 national lenders from biggerpockets and have your land appraised. you better have permits in hand, entitlements. complete, etc. sounds like it's too early to be talking about financing.