Not here to provide an  endorsement or be critical of the lenders on this list but volume is not by any means an indicator I would rely upon when selecting my banking relationships.

Not all areas are bad and some of the areas that are labeled as bad, aren't that bad and provide the best cash flow!

I may have to Teak my strategy in light of the excellent advice you provide here, Henry.  

My intention is not to buy the sellers problem but to provide a solution.

Many investors do end up getting their own license because of this, others don't want the liability and extra work.

How is that different than the information they’re providing on the investor webinars?  

RM-4.5 zoning would allow for a higher unit count and could provide more flexibility for future development, regardless of ADU policy changes.One potential benefit of rezoning before any citywide expansion is that it might allow you to lock in additional density rights ahead of any potential restrictions or revisions the city could impose when expanding the program.

It may sound nice to pay a 6% management fee but the extra fees can add up to be more than the other company that charges 10% with no additional fees.

When you build a good relationship with a good turn key provider, they can help you find the best deal and best vendors to work on that deal.

It certainly will help me to know what to provide for investors when the time comes.