@Kent FordI agree with @Ryan Konen regarding areas like San Antonio’s outskirts, parts of Fort Worth, and growing cities like Tyler and Lubbock, which are becoming popular due to relative affordability and job growth.We will see an interest in smaller metro areas where prices are more accessible and a surge in new construction aimed at entry-level buyers.

I'm looking to start off in areas with lower costs coming in, preferably under $100k single families but definitely under $200k.These markets are particularly appealing for novice investors, especially those from California, as they offer more affordable options compared to local alternatives.

WAS IS very popular strategy in Texas to non English speakers.

This is the best alternate to a stove top kettle.

Alternatively, you go to Market B where you can achieve BRRRR'S and buy and renovate $100K houses, each appraising for $140K and you repeat this 4 times over the course of a 2 year period.

I think a conversation with the loan officer's manager to see if a compromise/alternative can be worked out may be beneficial. 

Again, I like the idea of a new fourplex, it just seems like you’re glossing over alternatives/possible problems. 1) You say you want to hold for cash flow instead of taking $120k cash by selling as soon as it’s built.

The more popular bitcoin gets, the less functional it is, and therefor it will never catch on. 

Another alternative is to have a negative cash flow by putting down less.

Alternatively i could go for being a real estate broker and try to get experience in actual real estate without putting too much of my own skin in the game.