What are their challenges and pain points. 

Martin Rubio as a non accredited investor I would caution not to be a pain to work with.

I'll paint you the broad strokes... if you own a property in the area, the EPA will test the property and basically give you an up or down, if the property gets a clean bill of health then any lender will lend in that area, conventional, fha, va type loans.

When it's full and alarm sounds and you spend hundreds on getting it pumped out.This is something that occurs in close proximity to lakes, ponds and streams and it dictated by either the Board of Health or the town's conservation department - and it makes the property far more difficult to sell. 

Small cities can be vulnerable too, and it is often difficult to assess the health of a dominant employer.

If they are uninsured (this is not a health care issue, it's a disability issue), it can wipe out almost anyone who thinks they are financially secure.States require that a "client" receiving assistance have no more than $999.00.

It will be interesting, painful perhaps, to see how this plays out and if the euro survives.

What would you do when the next tenant in ill health misses rent payments?

And likewise, I don't want a cop who doesn't know how to do his job just so I can save a couple bucks on my taxes.Luckily, we have a system of supply and demand in this country that -- in theory -- should allow us to optimize for quality and cost when it comes to filling jobs.Btw, if your argument is that cops should be paid much more because they protect your life, then logically you'd probably have to agree that taxi drivers should get paid even more than cops, as you're more likely to die in a car crash than from random crime.Not to mention, using that logic, the guys that work at our water sanitation plants and sewage treatment plants should be getting paid a lot of money too, as contaminated water poses a great risk to health as well.

But when doing wraps with an adjustable, you need to be more sphosticated in your note to ensure that your margin is above that of the underlying mortgage and can adjust as necessary....which is a real pain for many small investor/lenders.The type of mortgage you use in your portfolio, as a borrower, should be matched to the use of the property and it's capacity.