There’s a big difference between an area that attracts stable tenants and one where you’ll be chasing rent every month.Personally, I’ve built a 12-door portfolio here, and it’s been a mix of cash flow and appreciation.

The ROI is attractive at 16%, but ensure ARV aligns with recent comps given market trends. 

The exterior got a fresh coat of paint, and I added modern fixtures inside to attract buyers.

The exterior got a fresh coat of paint, and I added modern fixtures inside to attract buyers.

They were fine with my score (about 740), but have issue with the percentage of personal credit I am utilizing, so that discussion also petered out.Apparently, I have a lending profile right now, that is not attractive to mainstream lending programs.Any advice?

Build a system that attracts the right audience.

With that being said, if you're comfortable with a long term hold, San Diego and especially coastal, will always be attractive imo. 

The higher credit is attractive, but what if the couple's income is 3.2x the monthly rent and the single woman makes 6x the rent?

The area has attracted a lot of new young professionals with their work from home marketing that gives $10,000 to qualified families to help them establish themselves in the area.

You can find them through local real estate investment groups or online platforms.Auction or Estate Sale: If the property has unique characteristics, especially being a large, old Victorian, it might attract specific buyers looking for such properties.