Steve Mel From investopedia:Accredited Investor RequirementsTo be an accredited investor, a person must demonstrate an annual income of $200,000, or $300,000 for joint income, for the last two years with expectation of earning the same or higher income.

You must demonstrate a motivation to occupy.

While sometimes even long-term investment props end up being sold fairly quickly after purchase, the IRS requires that you be able to demonstrate your intention to hold the property long-term when you bought it.

Corey D.s right on about demonstrable intent being the key.  

You can essentially piggyback on the authority of the local news media and publications, and it will demonstrate to your investors that you have your finger on the pulse of the market.Here's some examples for you specifically in regards to Stockton:'Region's Outlook Bright, SJ Leaders Say'"John Solis, director of the San Joaquin Employment and Economic Development Department, said his department is working to ensure many residents stay employed, or find new positions for job seekers.Last year, his department hosted 84 job and resource fairs in an effort to find work for some 31,000 residents.

Unless you change your intent so you can demonstrate you owned it to hold.

It's a powerful tool for real estate investors; but also crucial to our economy as a whole.It’s something economists spend considerable resources tracking & attempting to adjust on federal and state government levels; but this dynamic is often better demonstrated on city/town levels simply because the results are more readily seen.Let's take for example a small town that needs a traffic light; but can only afford a stop sign.

(In addition to those sources, there are a few others that are less common, such as HUD and SBA)Your track record of experience with the asset class will have significant impact on whether a loan is considered, and whether you can negotiate the terms of the loan, so be prepared to demonstrate your experience, or the team you have built around you who has the experience.Typically smaller deals under 50 spaces will be best suited for banks.

No I don"t think it is feasible to charge an extra 7%,since most loan mod attorneys in Cali are charging 2-4k.If you do loan mods it is a very smart business move to get alligned with a law firm and attorney that has been doing loan mods for years.Loan mod candidates can be a great source for ss"s though.There are many homeowners getting ripped off in CA,and the attorney general is coming down on "loan mod companies" and " foreclosure consultants".This is an article from The Orange County Register.AG Jerry Brown has sent letters directing 386 mortgage foreclosure consultants to register with his office within 10 days and post $100,000 bond, or demonstrate why they are not required to.

If you're looking for buy and hold properties, no banks are going to want to lend with less than 20% down unless you're a proven investor and can demonstrate the value of the building is higher than what you're paying for it (not gonna happen starting out).