I don’t have a lot of money right now and I was considering putting my current home up for rent and moving into a new home in a new location. 

Where are you located?

And it's in a super convenient, central location, closer to downtown San Francisco than most of SF neighborhoods, and easy access to the whole East Bay.

Or, the actual location could be terrible (like ghetto or drug area or war zone).

Marketing new location startup.  

I would also recommend banks that are located as close as possible to the property or properties.

They think LTR doesn't work, but it's really just the strategy and location.

@Justin Boyd just saw the location on this, I'm somewhat familiar with that market, we do quite a few retail deals in CLE and the surrounding areas, I'd be happy to give you an opinion on the site if its helpful.  

I think their general stance is going to be to go with whichever comparable property has the greatest degree of similarity in terms of (probably, in this order): location, age built, quality of construction/current condition, and square footage.

utilize the services of a top notch, experienced, track record verified mortgage broker to locate your best fit mortgage loan.