I only ask yes or no questions example : do you have proof of funds?

You've mentioned Guesty and Avail as examples, but in my experience these are very different.

What types of programs are typically available for borrowers with 800 scores, 1m liquid, looking for 350 to 400k loan to buy land and build a spec for resale.

For example, by investing as a limited partner in a syndication.2.

I like it because I'm slowly filling up my pad with helpful info, so I won't forget it even though I don't need - for example - advice on how to screen a tenant yet, since I haven't even bought my first property.  

Typical management fees in Knoxville are about 8%-12% monthly with some variable fee for leasing.

Provides an option to convert to a fixed rate, which will be higher than the typical rates.

Typically, how much value will the HVAC and ductwork improvement add to the appraisal amount later? 

Example: "I want to build financial independence through real estate investing.

For instance, hard money financing typically requires a lot less down compared to rental financing.