I would suggest finding a Credit Union which typically have lower rates or a regional bank, which has low rates and usually that desirable 30yr mortgage.

Multi families are not desirable and only investors will purchase them from me.

My desire for wanting this lifestyle is freedom plain and simple.

Where do you desire to purchase as San Diego is a big area? 

Class C properties are generally older and are located in less desirable locations.

. * The neighborhood was not a desirable place a few years ago.

These costs are borne by the tenant as they will choose what level of service they desire.

You clearly have a desire to create some money, although you are not yet able to prove you can. 

South Brooklyn got hit bad with Sandy and the area is less desirable than those mentioned due to the long travel time to Manhattan. 

If you are interested in scaling, this will make you an excellent project manager.Because of your experience, I would strongly suggest seeking out an experienced investor partner in the area who has access to deals and capital, but may not have the time or desire to be involved in the day to day project managing of multiple flips.