Our local economy, by my estimate, is about 20% shipping/imports, 30% fuel production, and 60% petro-chemical (plastics, clothes, 95,000 different chemicals extracted from oil, etc).

What sort of product / lender should I look for here? 

I'm sure there are a few scenarios where this may make sense to pay off debt, and then you would want to refinance back into a conventional product at a rate in the 3's. 

Ask questions, keep a file so you can compare, and don’t let each lender pull your credit until you decide on the right product for you.

Put out a superior or unique product, and less so.3.

@Simmie Peters if you know the product you need but just need it in a specific state try posting in that state forum.

Now,  If i season 6mos, at 75% refi and reasonable closing cost with a traditional loan, I will be approximately 60% ROI. 2 deals per year though....If I use a hard money lender 1 mos seasoning at 70% in a P&I product, they charge quite a bit in fees, and the property will ROI at 25%. 

thx @Andrew Postell & @Aaron K.It almost sounds like you, as the now seller have to create this value while adhering to neighborhood statistics, quality of products used, etc.Let me ask this, do you guys trust Zillow and the likes to be somewhat accurate on home values in a given area?

@Geann Peteira thanks for the info, are you talking about physically going up there or finding it online?

More importantly I looked at how technology could not only improve lifestyle but cashflow:(These are general numbers not associated to a specific product, please price your own product and charge +/- accordingly)30 Unit Apartment$150 deposit per 2 "smart keys" (returned if 2 undamaged keys are returned - kept if not returned)= $4,500 on deposit at capacity$75 replacement - This will bring in a few hundred a year minimum on this property(Make sure your replacement cost to the tenant is more than your key cost for the hassle of reprogramming and to be paid for your time and cashflow, consider it like a contractors markup for services)If I pay $200 a lock I am in for $6,000. however in year 1 I receive $5k+in deposits or replacement fees that could be realized.