I am open to all and any suggestions regarding my question.

What does the community suggest?

I was considering trout river location to buy single family homes. murray hills homes are on the rise and cost over 90k for a descent single family residents. since you in the area what do you suggest I invest my money to build a nice portfolio of rental properties.

I am asking this because a Bank I contacted told me that they won't typically work with someone who does not have any prior experience building  multifamily and suggested that I consider purchasing an existing property instead.How else would you gain experience?

Especially if in reality the carpet has lived most of its useful life and its time to change them anyway...I totally get the desire to want to stand by your principles.....and I hate to cave to tenants since it also trains them to be a PITA to their next landlord.... but its s business and you have to pick your battles and move on

Thoughts, comments, and suggestions are welcome. 

The mom and pop tenant could be inline  for a shopping center versus stand alone single tenant building.

I would look for a market with solid cash flow but that is likely to appreciate and has a history of appreciation (do your research but maybe the Pacific Northwest has cities that meet this criteria).If you do decide to invest in San Diego I would suggest looking into a owner occupied (house hacking) detached duplex to quad financed via a VA loan. 

I think there are two categories of companies that offer long warranties on their work. (10-15yr for roof work for example)1) they truly stand behind their work.

What do you suggest and why do you say it's the worst financing?