Have a lower priced course to get people in the door.

One seems legit but the price for the course is 11k.

Without the high leverage you reduce the top source of return in CA RE which is achieve via the appreciation on a high leverage property.  

If millenial homeowners can't even change their home's air filters, or snake a toilet, or change the oil in their car, that's guaranteed future business for HVAC companies, plumbers, mechanics, and those places all need a place to conduct business in.The commercial mortgage pricing software I use has somewhere around 50 different asset classes in it.

Not being able to rent out units usually just means the price is too high for the market. 

They cover all appliances, flooring, all those use components that can and will experience wear and tear. 

If you have a truly superior and/or unique product it will be easier to not have to compete with price. 

Here is the wholesale rate range at 85% loan to value.  300K purchase price using Jacksonville as the property's city. 

Builders may get a better volume pricing.  

We plan on replacing the flooring and possibly new kitchen countertops.