@Urvesh Patel recommend you focus on Neighborhoods, NOT zip codes.Zip codes are too big and in urban areas, often include Class B, C & D Neighborhoods.For MTR you'll want to focus on Class B, no lower than C+.

I have two options 6.625% 30 year or 6.15% 15 yearI want to invest aggressively in the near future on more propertiesThe loan is only $110k and the monthly payment for 15 year is $563 and $750I will earn 2-3k a month in gross rental revenueThe property is in a declining population areaRecently rennovated, and all major things were relatively recently improved such as plumbing, the roof, a/c, electric, etc.Will require a lot of management as it is rent by the room so I may switch to a normal rental after 10 yearsI'm trying to find what will mathematically net me the most money in the long run.

On paper, that's a 88% return before depreciation (can't depreciate land, but you can do a cost seg on the septic and other improvements), appreciation, etc. 

My focus is on raising capital for acquisitions and acting as a general partner in real estate investments, with a special interest in industrial, multifamily, and retail properties.

Clear opportunity for improvement How did you find this deal and how did you negotiate it?

There’s huge retal income potential if you nail that balance between improvements that wow tenants and improvements that merely look fancy but don’t justify higher rents.I’d also keep an eye on how your high end plan fits the local demand.

It’s likely the GC will subcontract the concrete work to a specialist while they focus on managing the permitting process and ensuring everything is done to code—especially if there are ADA requirements involved for the ramp.Let me know if you need help navigating the process or any tips for working with contractors.

It’s interesting how you mention that offering flexibility as a lender has opened up opportunities for borrowers to pursue deals they might not have otherwise been able to.As a private money lender, I'm always looking for ways to improve my services and better support investors like yourself.

Because of the relationship I have with the contractors I use, there is no material mark up when they source the material.Basically there is not an issue.The CSLB law on prohibition of T&M residential home improvement contracts has been around a long time.

Fort Lauderdale has higher purchase prices and nightly rates, but Pompano has had an influx of investment and continues to improve, specifically by the beach.