That low interest rate is gold, and as rents in Stockton are still climbing, you could achieve positive cash flow relatively easily.

The bad news is that now I am providing a service that cna be easily offered by a local realtor.

If the tenant has assets that you believe can be easily seized, this is a good route.  

Typically, off-market sales are common in hot markets where demand outweighs supply heavily, meaning that a home can sell easily without ever going to the public for sale.Pros of Buying an Off-Market PropertySearching real estate markets for off-market properties widens the net of investment opportunities.

This allows me to transfer money into the checking easily in preparation for a wire.Credit Cards--so you are now an industry professional. 

With this approach, I can very easily vet borrowers (no newbies unless partnering with an experienced investor for example) and focus on those that meet my criteria.   

Soft spots can be remedied quickly and easily.

Quote from @Cole Meier: Hi everyone!

You need to a certificate that there is no mold as the tenants can easily go after compensation-a valid reason to refuse paying rent.

You can easily also do it based on, for example: A.)