I just read the main employer began steep layoffs because they are halting production until prices recover.

Beautiful homes, do you find it more lucrative to build town homes as opposed to single family dwellings?

Then I would like to get into single family lease options, and ofc more apartments..

You can literally be a middle school school dropout, turn 21, and the next day be a Big Bank loan officer without ever passing a single test.But for Local Lenders with flexibility, we face a LOT of hurdles just to add a single additional state or even maintain our own...Think of that whenever you read "lending in all 50 states!"

I am interested in investing in single-family and multi-family rentals in San Francisco and the East Bay.  

I have two jobs and a real estate license and I'm a single Mom.

You are also talking about Single Family Residences.

My broker has a few investment properties and I do not act as a "single agent" and only operate in a "transactional agent."

The closing costs (I feel) are high on all of their products Im being offered.  

What do you mainly deal with mulit's, single family's, or are you into commercial deals?