FYI my current situation is:ME - FICO 665 middle score / $45k/yr income /  $200/mo DEBTWIFE - FICO 650 score /  $0 income / -$625/mo DEBTBROTHER - NO FICO - currently building / $30K income / $0 DEBTavailable max Down Payment $7,000PRO's Willing to purchase duplex / tri / fourplex in : riverside / rialto / pomona / ontario / san bernadino (no orange/red Crime map)price range : $180k - $450KREQUESTS: need atleast one unit to be 3 br *looking for value add*  as well,      After hearing the hundreds of first step methods, im finding it a bit hard to narrow down my search criteria. 2nd question is: After stating our current situation, what other strategies loan programs or methods to begin our first MFH buy and hold purchase would our financial situation warrant the most profit and least risk in this interest rising CA desert property market?

Deserts could have high initial cash flow, coastals low low or zero initial cash flow.

California property so expensive unless I'm going to Barstow, or desert property.

Not "tons"Tenant is from Las Vegas , last time I was there in August , the humidity was very low , and it doesnt rain much there . ( isnt it the desert )  Not ideal environment for mold.

I have been greatly discouraged from the "dust bowls" in our Hi-desert, Cal City, Victorville, Landcaster, Palmdale etc... 

The reason for this is the many areas of diversity, from Desert Mountain to Ahwatuki and everything in between.

We live in the high desert. 

In Palm Springs, Palm Desert, it looks like you could possibly come closer to the 2% and 50%, but still not quite.

I've been trying to find a property out in Desert Ridge area but haven't had any luck yet.I look forward to discussing with you more!

If you can jump in the car and be where you need to in 5 minutes after dinner and back home in time to have desert it will make up for it.Good Luck!