Understand you've received some conflicting feedback so perhaps it might make sense to go with the most reputable/recommended in your area. 

Factors driving this growth include economic opportunities, a high quality of life, affordable living, and reputable educational institutions.

Funny thing is that both Brad Doran and Alan Kirkham mentioned to me over the phone how they both knew that our CPA had a reputation for being disliked and having problems with multiple clients, but yet that CPA was still working with WealthAbility and was still being paired with clients!

If you need recommendations for reputable local lenders in the Indy area, feel free to DM me. 

School ratings are important because they affect demand and rental revenue for single-family homes in addition to other criteria like community amenities and proximity to reputable schools.

It seems the people getting loans with lower down payments etc. are ppl with experience and a reputation or relationship with these lenders?  

I would meet with 3 reputable contractors off of google

.: •Curbio develops a strong reputation for quality and efficiency•Homeowners are attracted to Curbio’s ability to get things done efficiently, reliably and cost-effectively (no nightmare renos that go on forever)•Curbio continues to enlist realtors as strategic sales partners, by devising a referral commission program for them, to mitigate channel conflict•Curbio maintains sufficient decision-making control (e.g. project types; material & appliance options)•Homeowners are given sufficient preference choices within strict guidelines (e.g. color palettes; good-better-best options materials)But I suspect one of these two growth scenarios for Curbio might happen beforehand:•Expand current offerings to owners of rental properties•License technical infrastructure and processes to qualified contractors

I know large  and (until then) reputable developers  who have done that and then, when occupancy was below the level, they unilaterally cancel the guarantee.

You have no expertise to bring to the table, no contacts, and no reputation.