In the commercial business, this would be referred to as tenant improvements (TIs).  

If you are just buying a note they refer you off to places they use etc.I am being very vague here and it was a few years ago for my research so maybe things have changed.The way they curb risk Is I was told they have tons of notes and some lose, some break even, and some do very well with returns.

Is there anybody on here who is or knows an attorney who will look over them in reference to the state of GA for me?

Especially if someone from your investing network refers them to you............good luck 

My initial angle once I do enter the investment world would be probably along the lines of what @Scott Nipp was referring to with generating seed capital before pursuing other endeavors. 

I can refer you to Joe Allen with Realty Absolute.

However, a growing, happy to refer you customer base, can be acquired or built but not franchised, IMO.PS - I'd pick Northern Atlanta OTP.  

Bill Gulley My Tolstoy reference was not meant as a jab ... just a comment on the amount of material to ingest.  

I prefer to rely on current work references to ensure they have a stable job.

Here are the Fannie Mae guidelines which is what conventional lenders abide by (I've actually had to refer mortgage folks to this in the past because many of them don't even know).