Occupancy rates seem low as well given some overbuilding in the higher end of the spectrum?

Build a team of GC / PMsPros - Cheaper costs, more trust with team members, likely higher cash flow / appreciation potentialCons - requires more hands on work in location, time to build team, cash purchases, These may be the extremes of the spectrum and I am sure there are a lot of options in between such as using a traditional agent, etc.

Either way, you need to narrow your criteria because if you leave it too broad you'll be spending too much time snapping your neck looking at everything that comes on the market and could be too slow to find any great deals.

Real estate lending is a very broad topic, so at this point, we can only give you very generalized information.

This may be a broad question, but I am intrigued to no end on how to make money on this for myself and others.Thanks in advance,Glynn

Shannon, your questions are very broad and therefore can have multiple answers/opinions.

Leveraging produces greater overall returns, less cash flow, and increases workload since you are controlling more properties.De-leveraging reduces returns, increases cash flow, and decreases workload since you are controlling fewer properties.Pick your optimal point on the spectrum for your own goals and values.  

Assuming this scenario is feasible, I am still wondering if aiming for the higher end of the price spectrum might be a good strategy for these low-down payment loans. 

That said, my basic premise of a zip code generally being too broad is very often correct.I haven't been on Stevens in a long time and I'd have to drive it to say with certainty but my strong suspicion is that it likely won't appeal to decent tenants. 

For me, it helped to start a giant wiki (wordpress) with very broad general categories.