. :)  these are not credit score loans ( I mean I have a credit score) but thats just a formality its all about capital and relationships with your bankers and deposit relationships thats key as well.Yes your relationships with sub contractors will be a huge factor in profitability, both direct and indirect. 

Interesting that the link isn't working for you.  

* What are some factors to consider when identifying these hot spots?

Take a look at the rents in LA currently in one of the attached links.

I have linked an article below that goes over how they tie into BRRRRs.

I've made a call to see if I can link a Schwab HSBA (health savings brokerage account) because Schwab said it was possible but Optum said they would have to "create a case" for that, whatever that means.

View report*This link comes directly from our calculators, based on information input by the member who posted. 

View report*This link comes directly from our calculators, based on information input by the member who posted.

Do the calculations factor in default rates?

View report*This link comes directly from our calculators, based on information input by the member who posted.