By making the appropriate modifications to the project to fit the neighborhood and buyers in the Oakland area, I was able to make the project appealing to investors and individuals alike.

@Michael Randell for the most part I fit in with that group's opinion, until about a month ago when interest rates fell off a cliff and the 10 yr hit 2.5 again. 

Not so long ago I had a tenant that offered six months advance and double security deposit to get into the home and they have been on time excellent payment record tenants since.

GA and FL have good markets as well, regardless do your own research visit the markets and decide which market is a good fit for you..

You have to try several and see which ones you excel at.

Outdoor features include a large BBQ area with wet bar, the Boiler Room is a two-story brick warehouse space that has been converted into a modern gym with state-of-the-art fitness and cardio equipment.

@Sean OToole You bring up an excellent point.

They know what I am looking for and call me when they stumble upon something that fits my criteria.

I have excellent credit, no debt and am new to private lending.

Your Fannie Mae Homestyle loan with 20% is excellent.