I have noticed that marketing is evolving into more of a digital process these days. 

Go digital.  

I was taught real estate lessons learned from the double digit inflation years of the Carter administration.

Always try to take photos in landscape and from a corner of the room, if you can, and have the camera more towards the floor/at waist level (actual photographers may be able to word this better).

Last year I was in a town in the south of France with double digit unemployment and probably fifty percent youth unemployment but the most crowded restaurant in town was a salad place .

For you have cameras set up to record their movements?

This is not a low-risk, money-market type of investment that happens to earn double-digits. 

I do know that cost is what makes up everything, the biggest items being earthquake and then anything related to community security like a guard (we don't have) or cameras and server etc. and in some cases where the HOA needs to replenish reserves based on some updated reserve study.

If you want the double digit returns, you have to take on some risk and realize these loans the borrower may miss a month and catch up, there credit may not be the greatest.

CA has the highest by far at 13.3% with only Hawaii and New Jersey having double digit rates.