Does anyone have any advice on the best way to shop for a mortgage to pay off the hard money.

Hi James, Your best bet is to search Google or BiggerPockets for hard money lenders in your area.However, you can also contact private money lenders directly and shop around for the best price yourself. 

Just have to shop and watch that. 

A lot of the discussions here are going to be very much a North American application to investing since regulations and financing are somewhat similar for the US/CA, but likely different for Africa/Europe etc.

I don't see how that's not a perfect opportunity for a new investor.Is it better to shop where houses go over the asking price? 

Albany, Georgia• Population: 74,892• Poverty rate: 33.2 percent (top 10 percent)• 2017 violent crimes per 100,000 people: 1,130 (top 10 percent)• Median home value: $101,000 (bottom 25 percent)"Albany, Georgia, residents are more likely than most Americans to face financial hardship.

Our company does not work on the North Shore, but if you personal message me with your town, I will send you the name of a good shop around you.Enjoy your travels!!

Big developers where not investing as much anymore, land flippers where left with unwanted inventory and if you for example now wanted to do an agricultural business and bought land in some places, the math would never makes sense.The good thing is as you mentioned some small towns are thriving because of the expat presence, similar to what happens in the US with "gentrification" the expats attract the digital nomad crowd that works from the beach, surfs, love great coffee shops and restaurants etc.

Residential units rent for $1075 each, ground floor pizza shop for $1100 so total cashflow is about $3,300. 

Shop your mortgage.