Confirm the zoning limitations: Mixed-use zoning can often allow for more flexibility, but you need to get the exact details.

These loans are a lot more flexible than "conventional" loans.

Hard money can give you more flexibility and faster closings, which are often needed for investment deals.

Private money lenders or construction loan specialists, on the other hand, are faster and more flexible, though their rates and terms will likely be less favorableFor a more rural area, local banks will almost certainly understand the market better, but connecting with private lenders who specialize in spec homes could provide more agility.

Originally posted by @Mark Whittlesey: I would get a UPS Store (or similar) box instead of a PO Box.It costs more but is much more flexible (is an actual physical address, can receive UPS and FedEx etc.)I had a PO Box for a while and got rid of it for exactly those reasons. 

I encourage you to be flexible but still be sure to use sound judgment.

You can get more cash, but you add risk and lose flexibility. 

That's awesome that you have that flexibility!

You can look into switching to a local credit union or portfolio lender, as they tend to be more flexible with regional policies.

These options could provide flexibility with your upfront costs and monthly payments.Expand Your Search Radius or Property Type:If you’re set on a single-family home, you might find more affordable options by expanding your search to nearby areas in San Diego County or by considering properties that need a little TLC.Partnerships:Partnering with another investor or family member might be a way to pool resources for a purchase.