Like many folks, I've acquired various policies over the years, ranging from multiple life, LTD, home, auto, umbrella, and others. 

I would like to get connected with an agent in the San Bernandino area, looking to start with a duplex but more in the 250k-300k price range.

It remains cheaper than Colorado Springs, but as we see growth up and down the front range, it stands that Pueblo may also benefit.

To start, I'm  looking for turn-key duplexes (minimal renovation/fixes are okay) for a buy & hold strategy in the price range of $150-200k. 

Or maybe cheap market areas have a more compressed price range than I would have thought.

The mortgage on this particular property would be one that I could handle paying out of pocket for months at a time, but I don’t know if it’s going to be worth battling constantly as I hold out for long term appreciation.Each area that I look at with properties in the price range that I am shopping seem to have this same issue...

@Tyler Smith Here are some raw numbers from the MLS:  For single family in all of 43609: Active listings: 42 - Price range $12,960-72,000 (not including two big outliers) - average DOM, 88 Pending: 17 - Price range $17,000-79,000 list price Sold (last 6 months): 80 - price range $2,000-79,000, median price $30,625, average DOM 70I don't do much business at all in that ZIP, so I'm afraid I can't give you too much advice regarding specifics there. 

My price range is 220-240K and less than 5 yr old construction.

They consist of multifamily dwellings ranging from duplexes to quads.

What is the price range you are looking into?