Even then, many clients end up finding themselves working with a broker since lenders can change their guidelines, pricing, and terms etc.. at any moments notice.

That is how one of my investors is operating at the moment.  

I dont have any properties at this moment. 

It makes sense that this money be liquid to use at a moments notice, but it'd also be nice to get a return on this money, wouldn't it?

Moving is not an option for my family and I at the moment.

SF is winning me over at the moment because I'm a beginner, but I'm sort of stuck in analysis paralysis right now trying to decide.Thanks in advance! 

I'll take marginal doors if I like the client, and I will fire clients with beautiful doors if I think they are a PITA to work with or if they suck too much of our time (I will warn them first, and if they don't adhere to the warning, I politely show them the exit.)  

(more on that in a moment)2. would the cemetery just detract its value and drive away potential renters/buyers?

Would be great to own on Oregon coast wow just so beautiful.

I have 2 options on the MLS here in Lafayette that I know do not work, but there are 11 in Indy in my list of options at the moment just as an example.