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.  

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

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.'  

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.

Reach out to me send me an email it would be easier to have a conversation.

David,You can also use a personal loan which is generally easier and goes up to $50K. 

But I began this reply with IF, because if they are all cash-flow positive, I would personally not seek to pay any of them off early (depending on your age), and instead save that money to put towards obtaining additional properties.

Then you have a person in that market if you get an investor deal.

I would start with a conversation that is beneficial to both parties, you have to start with building the relationship.