My profession is a truck driver traveling thru all 48 states so this makes me say I can invest anywhere and have a property manager run it.

I have a lot of experience with rehabbing properties and with alternative financing.

Most buildings don't quality for a 75 LTV more 65 or 70 sometimes 60 :-/If you can partner with some other owner who has units for cheap to offer alternatives. 

That newer asphalt, or when it is resealed or newly striped, looks pretty sharp (but then you have some costs and maintenance), but I am not sure the attractive lot would bring much more in rent nor would gravel drive off good tenants.Finally, I shovel snow with the body sled type shovels and it would knock me out without a smooth surface underneath like asphalt or cement, so with gravel maybe check how that would work with your snow removal system (be it shovel, snowblower, or plow truck)...probably gravel best fit for plow truck...Best of luck

So I am looking at alternatives for people who have money buy so so credit.

I've talked to a few asset based/stated income/alternative income verification, etc. lenders but most focus exclusively on investment properties - which is great. 

Easy answer is to have your own set of criteria that makes a house a viable candidate, and some alternate relationships to direct those that don't fit your needs.

I have contacts in my investing group who are connected to manufacturers of modular homes - not "manufactured" (trailers), modular: homes are stick-built in pieces in a factory, the pieces are shipped to the home site on flat bed trucks and assembled onto the foundation.

With proper investment, I plan to acquire properties with failing septic systems cheap and satisfy title 5 using alternative plumbing systems.

Should I go through a bank or are there better alternatives?