Cotton Jr.Find a joint venture partner.

I grew up in the Pasadena area and my grandparents lived in Fresno (my grandfather was a cotton broker), thus, we would always stop in Bakersfield because it was the half way point.

The property is "The Cotton Mill" condominium complex next to the WW II museum.

I think what gets me going with DHM  is just their model is one of being rewarded with loan failures and basically targeting new investors who will have a super hard time finding anything that meets their underwriting criteria.I mean its really simple logic 0n that front.. folks looking for 100% financing are one's with limited capital limited experience and they just are not going to find the smokin deals that DHM wants to fund.and frankly I can't blame DHM I would want best coverage possible because of the high risk borrower.. but to charge for failure I don't cotton to that I think its morally and ethically beneath a for real lender.

@Patrice Cotton

You've said that you "would be looking to buy and rehab" but it looks like you have also cottoned on to the idea that there are multiple options in RE.

If there were not the 20% knock on the comps, I'd be in tall cotton, but that's where I'm stuck.She's just not really very good at her job, and I've tried to have her excluded from my future business dealings and from the second appraisal to no avail.I still feel like I have an advocate with my banker, and she's fighting for me tooth and nail on this...she carries some weight there, but again, I don't know the regulations, and I'm hearing that they have gotten more difficult. 

The high cotton is coming in the luxury area.

Didn't realize I left out the period (it makes a significant difference lol).I just realized the original article didn't link, so here it is, @Britton Cotton  and @Oscar Porter:https://www.linkedin.com/pulse/expedia-buys-homeaway-39-billion-what-does-mean-andrew-mcconnell?

Low crime rate but is a lower income area and old cotton mill town.