I was also happy with that as conventional loans at the time were at about 6%.Lowest rates possible will be in relationships with private money lenders.Lowest rates in the public market will be in the form of a conventional loan.Next up you have commercial mortgages that are usually slightly higher than conventional loans but don't have as strict of loan requirements as conventional loans do.Usually a bit higher in rates are DSCR (debt service credit ratio) lenders.

And there are workarounds for strict HOAs too which I'm happy to go over with together.

But in general, if I wanted to get into land ownership strictly for appreciation, would this be a great opportunity?

And then the rest are all seniors who wouldn’t ever even consider paying online and their checks are always on time every month because most have rented their whole lives and know the routine.

They do not trade on strict cap rates.

Much less strict landlord laws and the area will be one of the huge beneficiaries of the growth happening in Newark.  

I think it is totally doable with a strict focus and reinvesting all proceeds back into the business/. new properties.  

Some are strictly the traditional Conventional, FHA, VA, and USDA shops.

They can be a great way to dive into investing without the same strict requirements as traditional bank loans.

I opted out and decided to stick with my routine and trust the process.