Unless you’re purchasing a really unique property or a funky deal, use your trusted loan officer from a national bank who can lend anywhere.

But there's an important question that hasn't been addressed about the reason why the Bay Area has been such a unique and strong market for the past ~10+ yrs. and it has to do with its main economic force that makes it desirable.

Both can definitely work so I'd go with what you want and what fits your decor style. 

Unless you are looking to build something extravagant and large with a unique design.Also, there is a LOT to consider regarding sand filter or regular filter, backwash line ran, pool pump (variable speed or single), pool heater (Gas vs electric and the kWH of the heating elements), whether doing a salt water system, something like a drinkable pool water system, or typical chlorine pool (which will often need a chemical feeder).Also dehumidification is important.

This property is in South Philadelphia, which is a heavily congested area where homes are small and yards are smaller, but this property had a unique offering of an 18x33 side yard.

One of those, as an example, was not updating very old and very unique cottage style windows in a few places.

I've had tenants who decorated it beautifully. 

The accent wall in our house and the green one in one of our flips, was about $150 (just 1x2s cut at a 45).A lot of it is fairly inexpensive, but takes time looking for lights or unique tile or just trusting your instinct with paint colors.

But the most visible differences from his predecessor’s décor is the deep-blue rug.

Where I live a sale virtually guarantees a review, but that's because of the unique aspects of our state and local law.