I would document everything and ask your tenant what she wants, as well as let her know your beliefs on ghosts. 

Limit your emotional connection to your house and step away from the belief that your home needs to be an extension of your ambition.Before I started investing in real estate, I lived in an townhouse development north of Pittsburgh with an HOA in place, one step away from a gated community.

I understand the importance of examining negative thought patterns and beliefs and hope that no one is offended or put off by this I feel that I am struggling to overcome a part mental part real problem, and hope that it is clear that I don't want to come across as saying I think all real-estate people are crooks etc. 

When you take action to become financially independent, it threatens their self beliefs.

Question is have you always thought San Diego to be over priced because I know many investors who hold this belief but have always held this belief?  

COVID-19 has reinforced this belief of mine - those who were already stretched due to other debt REALLY felt the pinch when tenants stopped paying, or were simply unable to pay due to lack of employment.

It seems like you have a lot of limiting beliefs.

The #1 thing this posting thread has shown to me is just how pervasively people are operating and promoting their self-developed thoughts of how things are in markets, wind those up as a blanket belief of markets as a whole, decide beliefs = fact and promote as such. 

Indeed, my belief is that the recession is (technically) almost complete, since the 2020Q3 GDP results should show recovery and (plausibly) a small positive Y/Y GDP gain.

It’s my belief that the 4-Plex that’s on my radar is low risk high return.