You'll want to look at the historical rates for the past 30 years at least, and pay special attention to how they drop when the market drops.

We specialize in the San Diego area.

I'm completely new to REI and am interested in specially buy and hold properties like you mentioned.

I specialize in getting buyers into turnkey properties for way less than any provider, nationwide or local.

This surprises me because I see my competition offering move-in specials, 1st month free, no credit check etc...

@Troy the issue is you defaulted on an agreementSee an attorney that specializes in landlord tenant eviction matters in AZ@Troy Muhammadundefined

It's hard for me to imagine a newly renovated condo in the Heights as being a great investment in the current market (again, unless you're getting a special deal), but I could conceive of good opportunities around Journal Square that need some work being good deals.If you run the numbers on cost/expected rent/maintenance/repairs it may be obvious which is a better deal, although I subjectively feel that you'll probably enjoy more appreciation, at least in the shorter term, in Journal Square than in the Heights.Good luck!

Can someone recommend a bank/lender that specializes in FHA loans?

We even have some specializing in construction locally.   

My family has a long history of carpentry and I'm trying to specialize in the aspects they may lack knowledge.