Most of my friends are software engineers.I have realized (but have not proved quantitatively) that giving a mortgage to software developers is less risky because they are in super high demand.

The special assessments are created by the voters with propositions and measures.If you go to the Kern County Treasurer/Tax Collector's website: https://kcttc.co.kern.ca.us, click on the blue box to your left that has credit card icons and the phrase, "Pay Your Taxes Online."

The high costs and additional legal obligations written into your loan agreement makes hard money loans too risky for every type of investing with the exception of a slam dunk that is so profitable the profit offsets the risk.

@Vanessa Roca if you don’t have any experience, flipping is a risky place to start.

I would also include a little about about your current investment strategy and what you're focused on.The goal here is for the broker and his lending contacts to be able to check their underwriting box saying that you are a serious investor that would be a non risky borrower.

Sure, sometimes in the spring and fall when the weather is mild I have made a little money on flat utility fees, but in the long run as we expand our portfolios, it's simpler and less risky to have the tenants take care of utilities themselves.

Works great and I would say is one of the least risky options

Lying is risky, truth is not.

All of the risk is on us for land purchase and construction loan. 

But as a beginner investor, I would not do anything too risky.