I am wondering if anyone has ever used First Monument Funding Financial before? 

I have developed some sceptisism towards "home run play" type of investments - buying farm land cheap in the path of development and the scoring big is financially appealing, but the idea  also strokes the ego; every investor loves a good turn arround story!

So I've built a financial model that I help investors like yourself analyze anything from the smaller SFR to multi million dollar apartment complexes.

@Paul Boyett, in my opinion, it depends on your financial situation and risk tolerance. 

I'm a fellow San Diego resident who is also interested in multi-units OOS.In response to your question, from the research I've been doing (and outside of the residential vs commercial aspect that @Sherwin Gonzales brought up), a big part will be your comfort level and financial goals. 

First of all, is there a more financially smart location to buy a condo?

I have 7 more days of financial contigency.

We got a great job, came out whole financially and managed to keep the job site a friendly place to be. 

Okay, then on a 400k loan, stick with 3.750% rate with no lender credit to pay towards closing cost vs a few tax deductible dollars more per month at 3.875% rate  with $8000 lender credit to pay towards closing cost.Any more financial wizards want to comment?

They’ll be requiring financials up front.