Find members who have a proven track record of success and read post by them. 

SF has expanded some but it's only been the last few years that the market has recognized an equalization between NOMA and SOMA but that's been mainly the result of MASSIVE office growth in SOMA. 

If you have a good track record with a lender, you can probably find favorable terms because you've proven you know what you're doing.I suppose that is why some investors stay with the residential programs in the beginning and work their way up to larger commercial or portfolio financing.Ultimately, if you find something where the numbers work for you, and you're comfortable with them it's not going to matter. 

@Justin Owens Good deals like this go fast so you need to learn to recognize them and pull the trigger quickly.

I tried to correct the misquote on threads I recognized.

And moreover, you guys have a proven track record together.

I self-insure about 50% of my flips these days (I have my own criteria for when I do and don't), and I recognize that I'm always taking a risk of losing an entire investment if things go horribly wrong; on the other hand, I've probably saved $10K over the past couple years by self-insuring.

You've proven you have the skills and abilities to accomplish the tasks in a professional and timely manner. 

I'm good at recognizing good ideas, but not necessarily with coming up with them.

But one of the posts uses a Lease, (my rental leases have been proven well in our courts for many years).