There is a market segment agents can't successfully operate in - neighborhoods with properties below 100k, manybe even 150k. 

Larger multi family units are selling at historically high prices for Oklahoma (as Rhett indicated) so it's tough to find adequate return in those segments right now.

Or would it make more sense for big government to get out of picking and choosing which segment of the economy is worth propping up and let the "free market system" prevail?

Some lenders might find that setting up shop to focus on a particular secondary or tertiary market with underlying potential, lenders can root out borrower demand for a particular city, and become local market experts.SPECIALTY SECTORSAlthough multi-family activity should continue to be stable this year, another related segment that is showing strong signs of demand this year is health care lending- specifically assisted living and skilled nursing facilities.

Until then, just be careful as you venture forth in such a segment.  

I am VERY charitable, I simply keep my charity work segmented to my charity work, and my business too business. 

Flash forward to 2015 and you had eight or nine siblings and cousins who were all aged 50+, and had spent their entire lives living off the income of this portfolio (maybe one or two had actually pursued careers of their own) and had sued each other every time some segment of the family had contemplated selling a property. 

Florida, in general, relies on tourism for a large segment of the economy, and the height of the shutdown was during spring break.

Faith-based lending is a tricky segment and not many lenders like to lend in that space.

Take a data point and look at segmentation and correlation within a market.