Try to find one valid point and concentrate on it, or ignore the whole thing.

First, select a tenant pool segment with a high concentration of good tenants.

However, here are some of the situations where going with a Private Lender may be better (even in some cases if you also qualify for conventional)No DTI Ratio – DSCR Loans do not use DTI Ratio in qualifying and underwriting your loanNo Tax Returns – DSCR Loans do not require any tax returns (personal or business) when underwriting your loanLLCs/Partnerships OK – DSCR Loans allow for you to borrow under an LLC or other entity structure instead of in your personal name – thus allowing LLC protection, the ability to invest with partners and protection of personal credit (loans do not show up on personal credit reports when borrowing through an LLC)No Concentration Limits – Conventional Lenders following Agency Guidelines have an absolute maximum of 10 rental properties which stifle short term rental investors trying to scale.

I am concentrating on fixing up all the high cost maintenance items like roofs and windows. 

FHA will likely need at least a 600 score to approve you.The main thing you need to concentrate on right now is establishing new credit (starter and secured credit cards). 

The average realtor in any market concentrates on closing the sale and moving on to the next one.

But, to @Adrian Smude's point, there are some rough areas, and a concentration of multi-family properties in those rougher areas, so do your due diligence. 

I was not cognizant of the pertinence the sandwich being malevolent until that was the only concentration everybody had from my original post.

No one can dispute California's insane real estate appreciation over time, though I would wager that is heavily concentrated in the Bay and LA metros.  

I'm concentrated in the Midwest; Texas, Kansas City metro, and looking in other regions.Hud Floyd