Most of the podcasts, blogs, and/or books that talk about starting out, mention steps like analyze 100 first or go see 50 houses first and it seems realtors get bored when you constantly ask for comps but aren't ready to buy, either because you're getting your education or the deal turns out not to be a deal (which you don't know until you analyze it with a good ARV lol) ...

I'm more just looking for opinions on the loan terms as this is my first time securing a loan for a multi-fam.    

There are definitely parts of Killeen you want to avoid in my opinion and target a certain minimum rent/unit depending on the property type.

How much cash flow will it generate and can the property afford to give up 10%, do you have time to manage it yourself, and probably the biggest in my opinion are you wanting to get into this game long term or is this just a 1 time 1 property deal? 

Always says, IN MY OPINION.

There’s a lot of high priced areas here in the springs but in my opinion you can still find really decent living for around 100k, I don’t know if I can post my wife’s business link or not but feel free to PM us.

I need your opinion on what my options are?

In theory, I believe you should be able to rent out STR in any complex in California, regarding of HOA rules, so long as it is permitted with the City.Your best bet is to seek legal counsel and run the Oxnard case by them to seek their opinion.

Just my opinion. 

Regarding infrastructure, start talking to other contractors to get bids and opinions on any potential pieces of land you're looking at buying.