Many of them are regional and some are only for specific towns.  

Local banks are often a much better source than gigantic national banks and even regional banks. 

The link to the full article is here "If you don't feel like reading here are the Key takeaways:Las Vegas has been the top performing rent growth market from both 2016 to present as well as 2018 to presentPhoenix and Tucson have also consistently been top performing marketsColorado Springs leads all markets with gross rent growth of 70% between 2009 and presentSince 2014 Sacramento has been the strongest market with rents up 50%TOP 20 MARKETS BY REGIONWestern markets have been the top performers over each timeframe dating back to 2009Only one Northeast market has been in the top 20 – Boston ranks 18th since 2009, and 10th since 2018The Southeast markets have narrowed the gap with the Western markets, as they now represent 8 out of the 20 best performing markets dating back to 2016Fort Worth and Austin are the only markets representing the Central region of the countryRight now I'm focusing on STRs so I'm in a slightly different dynamic, but it's good info for myself when I move to purchase my first LTR or multi-family.Merry Christmas and Happy HolidaysPaul

We were looking into the western region like aguadilla as that’s where my family is but open to anywhere.

The area will also play a part due to hard and soft costs but that would be part of knowing your Regions/MSA

I'd start with some of the local and regional banks that are portfolio lenders, meaning they don't sell their loans so they have more discretion in setting lending requirements.If all else fails, there are private and hard money lenders that will make the loan, but at high interest rates.

Welcome to the River Region!

Aside from those areas, appreciation is fairly stable in the region.

If you are hesitant about borrowing against your 401k you can contact a portfolio lender, basically a small regional bank that will use your equity in your first rental as a down payment on your next property.

Dollar General has relocated its regional headquarters to Janesville.