So, I need advice and wisdoms regarding the other hard lending options out there... thx ahead of time BP members!!!

The area is booming and has a bright future ahead.

However, you may end up ahead equity-wise in that event by reclaiming the property. 

I gladly gave the referrer that connected me to the remote closing company $500.The seller was visiting NYC and came across my flyer. 

If not, then visit 3 comps and take pictures, then go to homedepot and have someone help you with something.

Little things like plumbing a clogged toilet, same thing (so go ahead and put them on the 'repairs' line if you wish.

When you do know what you are doing you are confident in moving ahead. 

Never stop learning and be constantly reading books to get ahead of others who are not willing to do so.Start Saving.

Hey @Eugene LeeAs a few others have said, you can go ahead and throw all those rules of thumb right out the window.While I'm sure they're applicable in some markets, I can tell you first hand that most, if not all, of the "% rules" you'll see mentioned on this site simply do not work in San Diego.What kind of property are you looking to purchase?

My wife and I visited San Antonio, TX about a month ago.