., but the average person would just do it on their own. 

But I don’t think you made your thinking visible to OP that buying in personal name to begin with is the basis for your comment.

Furthermore, the heat poses elevated wildfire risk, which could partly be why in two filings with the California State’s Department of Insurance on Thursday, State Farm disclosed it is seeking a 30% rate increase for homeowners, a 36% increase for condo owners and a 52% increase for renters.No matter what side of the political divide, in my near forty years on this planet I have personally noticed local and global warming.

You can made money anywhere even counties with no growth even negative growth, but its easier where there is growth.

I was thinking of purchasing small multifam 2-4 units with DSCR and using personal loans to cover the 20-25% DP.

We could also go with a private money lender on the $190K - just need to find the person!

Personally, I’ve never had a bad military tenant though.

Birmingham passed most of the "rule of thumb" criteria recommended (job growth, household income growth) but the downside is population is -18.60% since 2000, and crime is a bit on the higher side (https://www.deptofnumbers.com/employment/metros/). 

Really great person to work with. 

A market like Boise has seen major growth in inventory and has already seen an easing of prices.