Lara  To follow up, after some good research we settled on "Open Phone" app.

If you want to DM me we can maybe talk about possibly working something out, because I would definitely be open to driving down to Rock County on weekends to do work! 

In many cases you mind as well buy turnkey and not do any of the work.So should you BRRRR?

I also know that most cities are open to permitting ADUs due to short housing supply.

Never send money in advance for their fee's  NEVER. thats a huge red flag that they are just out for fees and are fake lenders.2. bad or not really good written english .. on the phone they sound like they are off shore ( which they are ).3. rates  lower than market most of the fake lenders will advertise 5% rate that does not exist.4. insisting you pay for mortgage insurance  there is NO mortgage insurance on PML HML loans does not exist.While NMLS registered and state licensed is a good way to vet a lender keep in mind only 12 states require it.

A few things that came to mind right away....1.

Depending on the seller and their interests/desired exit, any down payment or terms is negotiable if they are open to seller financing.

If you're open to exploring different strategies, look into out of state investing.

However remember to get another account opened before being removed, as this will create a 0 score again if there are no accounts. 

Building a strong network and fostering meaningful partnerships can also open doors to new markets, innovative strategies, and valuable resources that can propel your real estate investment endeavors to new heights.