It's a riskier loan given you do not carry a social security, no US credit & no experience.Due to increased risk comes mitigation (Lower LTV & Higher Rates)

There are a few specific area we target in Sacramento depending on your goals.

Click-through rate (CTR) helps measure how effective your ad is at grabbing attention, and if it’s low, you might need to adjust your targeting or creative.

(Starbucks / yoga studio / craft brewery /boutique cookie,coffe or ice cream shop  are the easiest targets)-Activation of dormant retail sites-Increased foot traffic For B to AAbove also apply-Home valuations (are homes in the increasing at rates above nearby or similar neighborhoods)-Is it walkable or are projects in place to make it highly walkable for residents-Is it near highly desirable activity centers -is it unique (for example - Can it get historic designation)

First thing I recommend is to figure out your target market.

If my target would be low income residents, are there any grants, tax credits, or funds available to help me with the conversion? 

Focus on building cash flow and equity while targeting value-add opportunities to transition into shopping centers and strip malls over time.Good luck!

Where are the best markets to target in and/or near NJ in 2025?

Nobody should be surprised, we literally social-engineered this. 

Our target towns are not in the urban centers but more suburban towns with good schools are moderately priced homes for families.