I guess my issue so far has been like the knowledge of a realtor, they just seem to be rolling with what I said vs giving a detailed explanation of the neighborhood.

I know it might seem I am a little paranoid but I want to explore this subject and I cannot seem to find the right words to use in a Google search.... 

However I don't seem to find any lender that will accommodate this I know there has to be one is there one that anyone currently uses or recommends. thank you.

The only issue is every one I've seen that match seem to not be worth it.The top 2 options look like land investing or whole selling. 

Just after a quick review, rates seem a bit high for the amount of points being charged also isthis is at a 5year PPP or 3 year 5-3-1?

I know that rental properties are a path I want to be on, but when faced with the task, it seems so daunting.

I have called several Independent Agents locally and they all are requesting 4 Point Inspection reports (WInd Mitigation basically) and don't seem to get the point that I am analyzing "potential" investments.

Hello California landlords and investors, I came across this post on reddit discussing issues with tenant biased laws in California and lots of the comments seem to suggest that investing or being a landlord in California is very difficult and potentially a hassle/litigious/costly in case of issues. 

$120k seems cheap to fully build and outfit 5 "brand new" apartments.  

The SFH wholesaling market seems to be saturated at the moment with wholesalers.