If you're already uploading to Zillow, Apartments.com, and Craigslist, I think that's where you will see the most traffic and those are also the least expensive options.

Here's the challenge, the line is renewed every year, so the bank wants to see the line used and paid down.

If I were the money person, I would want to see the deal first.

We can all see the issues with Office space right now, but during the 90's to 2000's it was an amazing asset.

The other bank says they needed to see the articles or organization, EIN, etc. of the holding company. 

I would buy in a market where you will see the best appreciation because you won't be able to force appreciation like you can with value-add opportunities. 

Smart folks know to stay out of crowded trades, and perhaps even look to short them.I see the same thing in RE investing, or really anywhere else.

So expand on your thoughts on where you see the risk or biggest risk given what I have said above..Maybe I am doing my math wrong ?

It's great to see the professionalism and networking possibilities right here in the Eastern Panhandle!

Given that the population in the MSA isn't rising, you will either buy an asset that just tracks with inflation, or you would have to be more strategic with your investment, as you won't see the rising tide that growing markets could have.