20% down payment will be personal cash that I’ll put into the LLC as a capital contribution.

Personally, I make my upgrades with resale in mind, even on a BRRR.

@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 persisted and much to my surprise one day the door opened a crack and thus began a multi month journey through this man’s personal hell that eventually led to a $30,000 profit.He owned a local Jamaican bakery that was failing; his marriage was ending and his soon-to-be-ex moved out with their 5 year old daughter; and now he had lost his house.

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

I invest in mortgage notes, you can google biggerpockets note investor scam artist, fraud etc and will find many posts of people who had to file suit and were successful against a certain investor. 

The foreclosure file may show when the last payment was made, but it was at least 120 days before the filing.

Everybody gets started a little different than the next person.

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

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.