First is environmental, as lenders have been tied into environmental cleanup costs in some instances.

I care a lot about my clients and I also donate 10% of my earning to environmental and social causes. www.dogoodre.com

I can tell you this, if everything is perfect - all syndicate partners have great credit, you have plenty of reserves, relevant experience, a solid business plan and financials, and Feasibility and Environmental Studies completed in the area you are looking to purchase or develop, all with at least 1 US citizen sponsorship... you may be able to get close to 4%... maybe. 

Hello EveryoneI'm looking to buy a standard lot which is a buildable (as far as county says) has it's own address, is zoned single family.The wetland on it is isolated and there are many houses around the lot, the neighborhood is established.Seller has a permit from Florida environmental protection, allowing to build a SFR with a plan to keep part of wetland on the backyard.

Hello EveryoneI'm looking to buy a standard lot which is a buildable (as far as county says) has it's own address, is zoned single family.The wetland on it is isolated and there are many houses around the lot, the neighborhood is established.Seller has a permit from Florida environmental protection, allowing to build a SFR with a plan to keep part of wetland on the backyard.

rentals for lower end income is savage enough to add this element.  

So the experience piece is the more important element to this.  

I want to minimize the headaches that come with rentals due to the unpredictable human element that comes with this type of investment.

She loves how a house can be turned into a home with design and key elements.

No, it's basically a sub-department of the state environmental agency.