Then, if you are able to narrow your search to a few specific areas in the Sacramento region, an analysis may be ran to compare past appreciation of those areas.

You'll likely pay more later, due to the fact that a load of buyers may soon jump into the game when rates fall enough, as well as the fact that homes in our region appreciate at a pretty strong pace. 

Sometimes, local credit unions or smaller regional banks can offer more competitive rates, especially for strong profiles like yours.

I was in land and Timber in ORegon all through the 90s one of my favorite business's just got back from Target practicing up in the Tillamook forest today :)  Timber though is HIGHLY regional..

I would imagine results may vary based on your region.

If you want to claw back your original investment of $130K, that is fine and you can do that with this property or a different investment (whichever is faster).In your 13% return calculation, include predictable appreciation and principal pay down.Nice work starting this post and being transparent and vulnerable.

It seems I am the first to post for this region.

I am one of the few that has made a living doing sub 75k loans we just do ALOT of them As for Development I have funded entitlement projects in Orlando  and Atlanta and currently doing 3 in Virginia just a few minutes East of Dulles these are high end REsi projects pre sold to Toll  and one to a large regional.

No, of course not - many red regions will outperform blue ones over the long-term.

These regions are booming, with demand fueled by their coastal appeal, warm climate, and expanding job opportunities.