The main drivers1) Local Inventory2) 10 year treasury(macro)3) Personal Debt levels(macro)4) Real Unemployment(not the unemployment number but real white collar job loss ratio'd to part time jobs). 5) Industry proliferation(can't tell me a tech or finance hub moves like a health hub).To tell me #2 will derive from the same inputs as it did in Sep/Oct, I'm willing to bet it won't.

Your best bet for that size will be local banks and credit unions, good luck.

Kitchens and bathrooms are always a good bet, but think beyond the basics.

Otherwise, rent-by-room is probably your best bet.

Essentially, I am betting that rates won't go low enough where it makes sense to refinance.

Buy quality assets with NON section 8 tenants that have 700 fico scores thats safe bet in the US>  And what I do ..

I bet they were valid.

The fact its in a landbank tells me that it was taken back for some reason, which tells me its likely not a high commercial demand for development, but I could be wrong.If it is "on the main drag" in this town then I'd think doing a new build home to do a targeted and intentional air bnb would be the best bet. 

Also, ensure their 2-year workmanship warranty is documented with clear terms.Shingle warranties can be worth it, but claims often hinge on having all the right paperwork.

Your best bet is to find one that has flexible membership options, without high spend requirements.