As noted by Ben, I highly advise that you target single-family homes with in-law suites or additional living space that can be converted into a separate unit and sourced as an STR via Airbnb or on another short-term rental platform.

I highly recommend starting by tuning in to the BiggerPockets podcast.

Median price is high while median rent is so low in these markets, zip code 95757 is even worse in term of high home price but low rent.

By contrast, small multifamily is a highly inefficient market.You teach underwriting to the average, which is the correct way to do it.

Their neighborhood selection process is key in affording investors a home in an area that instantly produces positive cash flow and high probability to earn above average market appreciation over the long term.

I lend as a 2nd lien holder (in Florida mainly) because the returns are huge but I am comfortable with high risk as well. 

Typically high interest like 10%-14%, maybe more if it is a 2nd. 

However...The BiggerPockets powers banned me from the messaging platform here many years ago, so you'll have to connect with me directly via email, LinkedIn, or phone.

Generate a list from propstream of the kinds of properties you're looking for (high equity, certain size, location, age, etc).

If this is so I am curious about how that’s not a form of power of attorney surrendering all actions of the procedure to the courts favor and not in the favor of the homeowner?