There have been numerous people on BP talking about how they paid application fees but they could never get their loans closed on any deal brought to the company.

Urban vacation rentals were impacted quite negatively in 2020 and imagine will continue to be hurt until the vaccine is fully deployed at scale.

I've talked to numerous banks to try and get the loan and we're struggling to secure financing due to the fact that to many indivuals would be on the moratage.  

Should help you lower risk no matter where you end up investing.Don't buy in the roughest neighborhood in the urban core.

Rather look at ALL houses and deals and put on different lenses to see how it looks using different ideas.You may look at one house and see there isn't really enough margin for a flip or wholesale, but it is a newer house in a fast growing urban area and will be way more valuable in 5 years so you buy it as a rental today.

This comes into play as part of your due diligence and purchase criteria when bidding on notes.And yes, you absolutely want to consider population density (urban/suburban/rural).

Those will all provide numerous resources and then I would have conversations with multiple parties until you find people you are comfortable with that have a proven track record.

Lastly, I've posted about this numerous before, but it's risky doing business with strangers on the internet.  

But when you own rental property, there are numerous categories of expenses - non-separated utilities that you as the owner might have to pay, vacancy, repairs, lawncare, property management, taxes, insurance, turnover / showing costs, etc. - and mortgage / financing is just one of them.  

I can invest in numerous other areas.