The hard money will probably be 10-15% plus 3-5 points for a deal like this.

I also don’t like renting really nicely rehabbed properties, most renters don’t take care of properties as well as we would hope.

It is aweome living in Idaho, and sounds like you have had a lot of great memories and experiences here.

I am an investor friendly agent as well looking to start my journey in RE investing.

This is more or less like BRRR where I can refinance after renting them out for as much as the cost to build.

You will find rates all over the place just like with all insurance.

I can't really speak to how good they are at criminal records; as far as I recall it either didn't find anything, or just something minor like a speeding ticket, for both sets of applicants I ran it on. 

can check out local apps like eventbrite or meetups

Quote from @Paul LaValley: I live in Tucson and know Tucson really really well so I want to start here and then jump up to include Phoenix area. 

I made the submission then about 2 days later.. get a e mail Hey we love it your approved subject to a few due diligence items next step is to send of 10k .. well this was a multi million dollar deal ..