. $282k in Alameda / Oakland, $211k in San Diego, $223k in Sonoma, $202k in Sacramento... and they hate Hollywood, because in Los Angeles borrower income is capped at $180k.The reason it edges into real estate investing territory is that it only has your standard 12 month occupancy promise.

Quality Engineering-Based Cost Segregation Studies can be cost effective on properties with purchase prices of about $200K, including single family rental homes and condos anywhere in the country and even the US Territories. 

I am looking at guidance on  - Am i looking to getting into unchartered territory here !

Pinellas is new territory we are looking into, so Hillsborough is what we are most familiar with.  

He thinks I am infringing on his territory or some such foolishness.  

Even at 80% LTV though, you are still in high balance territory which will have higher rates/more points.

In NJ there are several different MLS' each one covers a different territory (though some overlap) each one comes with a different fee so if you live in JC for instance and want local deals you could join the HCMLS, but if after a while you want deals out of your territory you may need to join a different MLS all together and, depending on the brokerage you're a part of that may not be an option (your broker may not be a member of the MLS you're interested in). 

In Bozeman, but Butte is firmly in my territory.

If you sell for less or construction goes higher you can quickly be in territory to lose money. 

I might have to pick your brain about the Avail.co and other LTR/MTR spaces as that is newer territory for me!