When people hear “California real estate,” affordable usually isn't the first word that comes to mind. San Francisco. Orange County. Los Angeles. San Jose. Marin. In many of California's best-known housing markets, buyers have become accustomed to home prices approaching — or easily exceeding — $1 million. But California isn't one housing market. Not even close. A recent affordability analysis ranked Porterville as the most affordable city in California, with a medi

If you're financing an investment property in California, the best mortgage isn't necessarily the loan with the lowest advertised rate. It's the loan that fits the way you actually invest. A W-2 borrower purchasing a first rental property may be a great fit for conventional financing. An experienced investor with multiple properties may care more about whether the property cash flow qualifies than what appears on personal tax returns. A self-employed investor may need