So, I came across a neighborhood with good schools and decent comps (160k for a 1600 sq ft).

But our local neighborhood HOA CCR might prevent it.

I’m still learning about the market and am eager to learn more about neighborhoods in and around Memphis. 

Well I guess I’m not really looking to score off of one from driving, just to get a feel for my neighborhood.

Can you shop around for this type of service?

Let's assume desirable neighborhood, close to public transportation, etc but no chance of ever qualifying for standard financing.  

For us it’s  the neighborhood average to base tax collection on.

I have a duplex in South east Minneapolis that I bought for 179k in 2014, which I'm very familiar with the neighborhood and have been quite successful with tenants and cash flow/appreciation.  

If you've already signed a  contract, it's too late to bring in an agent, but you can still have an attorney watch out for your interests.The seller choosing the title company is common in my area,  although I'd make sure it's a large company, rather than some mom and pop shop. 

I actually have a buy & hold property right in your neighborhood!