Beyond that there are hard money lenders who charge higher rates to take on more risk... but they again start by looking at you, your skill set, and your previous experience in both managing your credit, as well as your real estate investment history.  

I live in the SF Bay Area and have decided to buy my first single-family home.I fully acknowledge and recognize that the SF Bay Area and California (in general) may have some of the worst cash flow numbers in the entire country.I've already traveled to cheaper Midwestern states to look at real estate opportunities, but have decided to invest here in the SF Bay Area as I'm purchasing with the intention of living in it first and foremost, and then renting it out sometime in the near future when I move overseas.I'm looking for anywhere in the Greater Bay Area/Northern California region (even Sacramento & Central Valley is okay) with better than average purchase price to rent ratio, and some appreciation (if possible). 

I wouldn't recommend him for anything investment-related or commercial, but if it's just a HELOC on your primary, he'll do an excellent job.Just don't go to Lending Tree or any of that nonsense. 

Plus, investing in a developing area gives you a chance to see your property appreciate as the neighborhood grows.However, there are some things to consider.

I envisioned real estate investing as a way to make extra money on the side and continue to build my wealth. 

You have enough money to furnish a property *fully*, and (this is vital) you have enough money to hold in reserves if/when things don't go perfectly, but you don't have enough to put down a 20-25% down payment to own.

Long term is to have a long term investment with a back up plan of flipping the property.2.

Many landlords disagree with this policy but that is because they fear having to protect their investment.You have a lot of money tied up in your investment, always put yur needs first and reject any applicant that may place you at risk.

Spend your time and money learning about lead generation, what today is the description of a stressed owner. 

Investment Info:Office Space commercial investment investment in Gallatin.