Hi Bigger Pockets Community, I have a friend who lives in Washington State with a house in Orange County. 

@Chris Mason  Most commercial banks like these make zero Owner occ loans you  are apples and oranges...

Typically, the areas income limits are areas that are considered luxury, beach front, have master planned communities, or are more affluent income wise.If you want more info on this program you can check out my BP blog article - Click HereEven a high cost city like Seattle has no income limit areas (in yellow below):In Orange County most of the central and upper parts of the county are eligible with no income limits but south county has only 3-4 yellow spots (no income limit census tracks).In Los Angeles County there are a ton of no income limit areas below contrary to what we read about income limits being in only the roughest of areas.

It's a little bit of an apple and orange comparison.

I'm an agent in the Orange County, NY area and I have a hunger to learn REI- this post/thread was great and my reason for being a part of this group, to expand my knowledge--so I thank you All!

After teaching last nights CFRI Orange County Chapter meeting, I think I should share this information around.

So it is sort of apples to oranges that way.

Your ALL in cost is only a cup of coffee.I am currently flipping homes in Orange County and teach others how to do so as well.

I'm quite sure that this could become quite the fruitful relationship.- Alex Thorstad

@Greg Nydick It would probably be more fruitful to do one of the two.