First, the UI is pretty good on both web and app versions.

However, the area has a slightly shady reputation, which makes me a bit cautious.As a first-time investor, I could really use some guidance on what key factors I should consider before making an offer.

The rate of interest on policy loans for large and reputable mutual companies is always going to be competitive relative to commercial or consumer lending.

The second branch of the site will be a platform to create a personal web page that will hold all of the agent's social media link (kind of like linktree).

A solid reputation can help establish trust, which is crucial when looking for a financial partner.Showcase Your Expertise and Track Record: When you're ready to seek out a partner, be clear about your experience and past successes in real estate.

If you hire an inspector, don't use their person to scope the sewer, find a local reputable plumber, they may know the history of the area and or the building.

then you really don't have a problem...except that you are forced to switch horses in mid-stream which I know is not desirable....A new GC will not always charge so much more to take over a job mid-stream, it just depends on a lot of things (like the original GCs reputation).I would get a release (of sorts) stating that the original GC will warranty the work that he has completed and that the new GC is not liable for any work not performed by his company.

I challenge you to find and post a single reputable reference that does not show San Diego to have historically produced outstanding returns for a modest length hold.  

If this is the route you are looking to take then let me know as I can help direct you to the reputable providers. 

Reputable contractors will likely have some sort of social media presence where you can parse through some of their previous projects and work.