Beginners that don't know any better and retirees that are at the end of their investing careers. 

When I vet a future-proof market, I’m watching for:Improving habitability: Milder summers, cooler nights, stable air quality, lower flood and fire risk.Water security: Access to groundwater, rivers, or steady rainfall.Lower wildfire exposure: Coastal edges or greener corridors where burn risk is historically lower.Existing migration momentum: People already relocating from higher-risk zones like the Southwest or parts of Northern California.Cost of living: Still affordable enough that buyers, retirees, and remote workers aren’t priced out.Business/food pivots: Watch vineyards, growers, and small ag operations — many are migrating north for better growing conditions.Coastal Edges Are Back in PlayOne of the most interesting shifts?

SLO County et al gets the big $ retirees from the Bay Area & LA.

Ocala or Citrus Springs, FL* Popular among retirees and remote workers* No state income tax* New construction rentals under $250K with decent yieldsWildcard Growth Markets6.

It’s a midsized city with strong fundamental: steady job growth, a rising population (particularly remote workers and retirees), and a good balance of older housing stock and new development.

These pockets offer value-add opportunities and lower price-per-door metrics.Rehab-to-Rental Potential: A lot of older housing stock exists just outside downtown — ideal for BRRRR investors or those using short-term bridge + long-term DSCR strategies.Tenant Diversity: From young professionals and families to retirees relocating from out of state, Greenville’s tenant pool continues to widen.

This has created a shortage of smaller, more affordable housing options that could serve:Young families,First-time buyers,Retirees wanting to downsize, andMiddle-income workers who can’t afford today's prices.This “missing middle” has contributed to skyrocketing home prices, longer commutes, and displacement.🏗️ A New Vision for NeighborhoodsMiddle housing is part of a smarter, more inclusive approach to urban planning.

If it is a one or two bedroom property school rating will not be as important or if its an area where there are a lot of retirees, whereas if its a younger area then school district will matter a lot more.

Coming is not so far behind "Asset lending program" is also becoming popular with Crypto investors, and retiree's.

Are you approaching this retiree suggesting they fund your project and trying to reassure them they won't have a tax burden?