I went into the same thought today as I also have a four families at Union City then I found this post. 

You can always try local credit unions and local community banks, but it really seems tough, given the property price and low credit score. 

And a diversity of natural attractions and landscapes that no other state in the union can come close to matching.. 

As for your neighbors, they could have exemptions like Homestead, widow, military disability and many others that can reduce the amount of taxes.

I've reached out to the gentleman that owns the large PM group in the area to see if he knows of any smaller PM that I can connect with and I also messaged my credit union to find out what my best options would be.

Perhaps slightly higher from an alternative lender but definitely not from a credit union and expect much higher fees.

They're targeting AL and MS as well which are some of our poorer states in the union.

Good post with a few good ideas, thanks.A note about San Antonio, is that it historically has a big turnover in homes due to the military bases in the area.

This requires union tribune subscription, but many San Diegans have that subscription  https://www.sandiegouniontribune.com/2024/12/16/home-flippin...To summarize, average purchase price was $760k, average sale $915k.  

This often means a smaller down payment and lower monthly payments compared to a traditional bank loan, especially since the seller may not be tied to the high interest rates banks are offering.Another option is a land loan from a local credit union or bank.