I purchased my first buy and hold SF rental property last year and turned the property into a student rental as it was very close to a local College.

Go to small local/regional banks NOT national ones.

For instance, many tribal lands are exempt from state and local property taxes, which can obviously lead to significant savings.

Have you looked into local credit unions or alternative financing programs?

For any locals that come across this or virtual investors , what's a wholesale friendly title company you've worked with in St.

That sure is a pretty looking bridge, I hope the local people find it to be a very useful thing.

Are you going to continue your investing locally? 

Focus on saving, building your credit, and connecting with local investors.

I financed this property using down payment funds from 403B and a local commercial bank. 15% down from personal funds. 85% down from community commercial bank. 3yr balloon, 20yr amortization, 7% interest rate.

I’m a local realtor in Rochester and would love to connect.