I like to provide the fix and flip opportunities to local investors, and the stabilized cash flowing rental units to both local and out of state investors who are looking to add this type of product to their portfolios, as there are several, high quality full-service property management companies in the area. 

Virtually every mortgage broker* will use the FM Selling Guide for determining eligibility, or you google "fannie mae underwriting guidelines" for high level details.

I am currently a senior in high school nearing graduation and have a growing passion for learning this industry.

The land is mostly forested with a year-round stream running through it - it's beautiful and private and was largely unaffected by the recent floods as it sits high up and consists of large hills.

TOH, location, age/quality of the assets, etc...

I own some small multifamilies in Concord and High Point, NC.

(I also would like a loan that doesn’t require a high down payment). 

I look for low crime rates, good schools, high rent to value ratios sometimes as high as the 3% rule. 

I read that there is a high wild fire risk.

As a general rule of thumb, no one ever lends for less than the rate of a high yield savings account.