@Sean Thompson After going with someone local we realized we never actually went into the office.

Actually they have 9 states on their list that do require a license and a few states where they don't lend at all.  

Now, if you are looking towards the Forestdale/Adamsville areas of Jefferson County or actually north of the city limits of Birmingham, there certainly are good B neighborhoods.

I haven't done it yet but I think you can go get them at a physical office.... but I wanted to see if anyone has some info on what some of the indicators mean that I'm seeing.For example, on two of them it comes up with a Tax Status of exempt.

I actually just acquired a property from Networth in Austin where the values are already going out of range for cashflow numbers to make sense. 

I'm actually a graduate from Tulsa union 11 years ago!

But they felt we needed reserves and want to put a credit line on another apartment building for $820,000 and restrict $500,000 repairs and allow $320,000 for the actual credit line.  

We have no penalty for not closing on the 14th and on top if they are not ready we actually benefit.  

no  it     is actually pretty easy  just a few things we need to do feel free to contact me for info

I actually just finished Think and Grow Rich by Napoleon Hill and I'm on The Lean Startup by Eric Ries (for my business class).