In fact, only around 13% of U.S. veterans have taken advantage of the VA Home Loan, which is surprising given its incredible perks—like the ability to buy multifamily properties, no down payment, competitive interest rates, and lower insurance rates compared to FHA loans.

@Brent WarnerFlorida offers suitable income opportunities for investors, particularly in the Tampa Bay Area, with competitive rates and no state income tax, making it an ideal choice for those seeking rental income.Good luck!

Especially if the competition has less fees.

A house hack is a solid way to get started as long as it aligns with your long term goals.I agree with @Samuel Diouf and @Jackson Ebersole's comments.You'll want to consider the competitiveness on Long Island.

I think the best is wherever you have a specific niche and competitive advantage.

The Bay Area, in particular, can be daunting due to its high property prices and competitive landscape.

Here are a few tips to help you:- Market Research: Study the local hard money lending market to understand competition, typical loan terms, and borrower expectations.- Loan Structure: Define your lending criteria clearly—interest rates, LTV ratios, fees, and terms.

All of those questions can help your agent structure an offer that will be competitive against others. 

Thanks to all who messaged me privately and @Chris Mason, I found Auto Owners was pretty competitive.  

It is intended to be a high level report to give hosts & investors insight into STR data for US markets and help with insight on how to set up your property to stand out versus your competition.