Many private lenders look more heavily at the property and less so at the lender but your credit score is still a factor. 

The Central Valley is heavily vested in agriculture.

You could use property values loosely as a guide to help but I wouldn't rely heavily on that. 

The area is very heavily farmed by some very large rehabbers (hundreds of properties a year).You almost never see bandit signs; only the caveman billboards (I'm sure that's another factor). 

These factors will heavily influence the tenant class that your property will be attracting.

I went to a large, regional bank that is owned by, or at least heavily invested in by Wal Mart and they gave me a 5 year, 3.99% fixed rate heloc during a spring promotion of their's a few years back.  

It's a heavily edited template, and I'm just about done, although the very beginning of the lease is what I'm curious about.  

I know a former underwriter that is getting heavily involved in this space.

A realtor contract is heavily designed to protect a buyer from any possible way the seller could be trying to cheat them.  

I believe this is contributing heavily to why it is so hard to find good or great deals here in Florida and specifically in South Florida.I'd love to hear everyone's thoughts and opinions on this...