So I'm always able to offer a lower rate and make a decent living without charging points.My final thought, if you want to find the single lowest price in the market, I don't know how many companies you've spoken with, but 5,113 companies reported making residential mortgages in 2023.

For full disclosure, I will say that I am a partner in a brand new loan servicing company that just opened its doors.

If you are interested, I can give you some names of companies that can help.  

Thank you so much for your insights, I already have a company in mind but if things go south you may hear from me sooner than not.  

Most turn key companies do have a West coast based marketing company sell their props.

INstead of just saying "no" we asked them to check with their credit card company if they offer travel insurance yada yada.. we got a 5 star review form them without giving a refund.

To be honest, I´m in the Maintenance & Construction for corporate businesses for some US companies in Mexico and we do some Real Estate down here also, but it´s way much different than the US, so I have much to learn from a lot of people around here and as @Julio Gonzalez, I think this is pretty much the right pad and place to start and to break my fears to start all over again from scratchAlso, I´ld like to hear more from @Justin Brickman why he voted for his city, pros and cons, it will help to read from a local...As I said before, thank you all guys for taking the time to write in this post and share some experienceDo you plan to owner occupy. $40k will not get you a non owner occupied San Diego property unless you find some unlikely alternate financing.

Then I spoke to a company that does business lines of credit, based on personal FICO scores.

Once you find that company then you have to make sure that your business model aligns with theirs It is very important that you make sure you take the time to interview and have candid conversations with a PM company.

As a broker, I do have access to about 15 companies that do helocs on investments!