@Josue Ramos I would recommend areas like DFW, HOU, SAN, OKC, Tulsa, Memphis or even Little Rock.

I had declared them trespassed verbally on the spot, loudly, proclaiming they were no longer allowed on the property, that I was the owner and this property was mine and I would not be pushed around or intimidated. 

Hiren, I've personally been focused on the northern MSA markets of Round Rock, Georgetown, Cedar Park, Leander.

To date, I have a small portfolio in the Rock County area.

That is relative, of course, but to expect rock bottom rates and prime terms is not realistic. 

Apparently, when my sister parked in the driveway when visiting my mom, she revved her engine too loud and honked at her to intimidate her (according to my sister, she did no such thing and I believe her—we are adults).

and as a lender in possession the paper was rock solid .. never had one default.. 18 months in the house is half paid.

IMO Most of the time, people lose lawsuits or settle for much less due to laziness and lack of rock-solid knowledge about the illicit/illegal acts the opposing side committed.  

I was shown about a handful of their holdings in the Houston, Memphis, and Little Rock markets, but the cash flow and CoC returns were less than $100 per month and 2-4% after factoring in additional expenses like 7% vacancy and 10% maintenance per month to go along with 20% down and conventional mortgage.

If it's a matter of a quarter point but the more expensive debt is with a bank that offers better other terms like amortization and LTV, and they have a rock star loan officer, I'd go with the slightly higher interest rate product.2.)