Hope that is helpful.

I think the market value is higher than my tax assessed value so that might not help me.

(Default information) Help understand how’s this possible and what’s the difference between delinquency amount and loan amount? 

Plus, having a personal connection can sometimes help you get better deals.Hard money loans, on the other hand, are usually backed by “hard assets,” typically real estate.

Hope this helps!

Any feedback would be helpful.

With years of experience in this unique market, I've had the pleasure of working with a variety of investors, helping them maximize their returns while providing unforgettable experiences for guests.The Poconos has seen tremendous growth in the vacation rental market, thanks to its year-round appeal, driving proximity to major cities, affordable property prices, and diverse attractions.

This hands-on experience helped us develop some DIY skills and boosted our confidence.In 2020, we bought a single-family home that we’re currently living in and rehabbing.

Decent purchase price to rent ratioSome of the areas I'm looking into are:HaywardSan LeandroOakleyConcordPleasant HillBrentwoodTracyMantecaTurlockModestoSacramentoMy concern about some of the areas specifically in the Central Valley (often recommended here on BP) like Fresno, Turlock, etc, is that looking at numbers the appreciation doesn't seem to meet the mark for me (purchase price to rent ratio is decent, but equity isn't very good), so I'm generally focused more on the SF Bay Area.Any recommendations on cities or areas would be extremely helpful. 

Oh well, it's not worth the fight for me at this point.Thanks Michael!