@Bobby Dailey - just to give a different perspective, for future appreciation of significance, I personally would not consider any of those four locations you noted (Jasper, Clanton, Eva, Oak Grove).

I've only spoken with two companies that work with housing for one person and the property that I'm looking to obtain is a three bed

You are the owner if you try to borrow with a LLC or if you borrow in your personal name.

They also have a Personal loan, $40k to $900k at 5%!!

These forums are not for personal attacks mentioning someone education as you feel its the only qualification to be an investor….

I have a preliminary call in a few minutes with a person that wants to get into private lending and wants to engage our loan consulting side to assist.

I personally have mine through USAA.  

How would you explain these buyers terms to the seller. ok. 30 year amortization means the monthly payments are based on a 30 year loan, but at year 20 whatever the balance is they pay it off then (balloon payment)Personally I would NOT accept any of these offers.

I don't mean the following to sound discouraging, but I would encourage you to be extremely cautious and conservative before buying a random property in Dayton because someone - a property manager, an agent, the seller of the property, some random person on BP - tells you it's a 'great deal,' and you will 'cash flow.'  

I have no idea how she got my personal email address:"Hi I am at xxxxx Tucson, AZ.