First Republic - CaliforniaFulton BankGFA Federal Credit Union 10 yr draw, 10 yr repay, MAGranite State CU, NH 90-100%Great Lakes Credit Union Hanscom FCU, FloridaHSBC 70%, for premier clients only Horizon, Kalamazoo MichiganHuntington 75% LTV 5 yr IO product available.

I am broadening my horizon to look in other market.  

I've been debating quite a bit but eventually came full circle and thought it'd still be a good idea, since I believe it has solid long term appreciation potential (5 to 20 year horizon).

These towns look good to me if you have a long enough horizon.  

He and I have that on our horizon. 

Buy a home in the Bay area now and convert to rental property down the road (once moving out of state) could make sense, however this again requires a longer time horizon as well as dealing with the headaches of being an "out-of-state" investor3.

Make sure your time horizons and return expectations align. 

And a lot of people pay attention to him as he's an accomplished author and has been a BP podcast guest on 3 shows.BiggerPockets Podcast 311: 6 Rules for Investing in Real Estate in the Coming Economic Shift with J ScottBut I would also consider that if you're young, with a long-term horizon to weather lengthy market cycles, a pending recession plays a much smaller role in considering investing then if you were nearing a traditional retirement age (50-60 years old?).

I suspect that most transactions taking place are investors taking a much longer view on hold horizon than in recent times.

With some student loans on the horizon and an unexpected windfall, I don't want to squander the opportunity.This is one of my favorite threads here on BP because of the examples provided and hope generated to those of us without being established yet.Looking for your suggestions, specifically, on where to find the knowledge when you are in the intermediate stage of your REI book education.Thanks again to everyone for your input -Sean