If the schools, streets, shopping and entertainment areas look like a C, attracting residents to pay the higher rates by upgrading the property to a A/B as you suggest (higher than the surrounding area) is typically not going to work out so well.  

I am open to all and any suggestions regarding my question.

What does the community suggest?

I was considering trout river location to buy single family homes. murray hills homes are on the rise and cost over 90k for a descent single family residents. since you in the area what do you suggest I invest my money to build a nice portfolio of rental properties.

I am asking this because a Bank I contacted told me that they won't typically work with someone who does not have any prior experience building  multifamily and suggested that I consider purchasing an existing property instead.How else would you gain experience?

Thoughts, comments, and suggestions are welcome. 

I would look for a market with solid cash flow but that is likely to appreciate and has a history of appreciation (do your research but maybe the Pacific Northwest has cities that meet this criteria).If you do decide to invest in San Diego I would suggest looking into a owner occupied (house hacking) detached duplex to quad financed via a VA loan. 

What do you suggest and why do you say it's the worst financing?

Our realtor also suggested this should be termed a Transfer for Convenience, but the attorney is not agreeing.  

Any advice or suggestions are welcome.