I'm in discussions with a seller to buy a duplex in Concord NH that has great space on the second and third floor of an attached double-bay over-sized garage to add two 1BR units.

I currently work full-time in the medical field for the past 20 years which limits my time.My goal is to move to the Tampa Bay area to be closer to family and get away from winter with REI being full time or supplement my income.

Its the way major corporations and banks make investments. that's why IRR in the bay area is so much greater than most areas.. at exit the huge appreciation tips the scales.. at least if you sell in the right cycle. 

  $100k capital doesn't get you anything in the Bay Area, but could get you 20 units in the midwest.

It really depends on your market and every market is different..I've spent $2k on direct mail in the bay area and have gotten no deals from them. 

This is Bay Area, California.

In fact, I have a story about a GC in Michigan (Bay City) that will illustrate.  

Hello Robin, I buy 1-4 units in Tampa Bay.

Any particular area in the Bay?

, and I could afford the payments.I decided that once it was mine, I would sell the condo at what I assumed was close to the top of the market, and buy another in less overvalued bay area town.