I personally love the area.

I will appreciate all the input I can get especially a reasonable person to do the logistics including zoning etc.

Maybe I could alter my proposal so that they never actually have to put up the cash, but instead just earn a fee for reselling for me.With the put option, I am essentially acting more like a bank for them and freeing up capital that they now have tied up in these loans.

The main key is for online contact to become personal relationships.

I personally do a cost seg on every single property I buy (This is not tax or legal advice). 

I realize you wanted a paper trail for everything, but that loses you a lot of ground in personal relationships.

DSCR is a great tool to use when you are self-employed or you want to avoid using personal or business income to qualify.

Say someone has $20,000 cash and its just sitting there, and cant be used for retirement accounts because they are maxed, and the person has no debt.

I have personally used these policies to fund investments and renovations. 

That's how I invest personally.