Hi Adam, we have access to a few landlord programs that are very competitive with rates and coverages.

@Adam Copley "leave out expensive projects like a roof, windows, or major mechanicals that still have useful life (for a rental)" Better wording is stay flexible on these big ticket items if you pivot to a rental.

@DeAllen Adams - Congrats! 

@Christopher SandysI used Adam years ago when the lead ordinance started.

Quote from @Bryan Adams: @Ken M Well the whole point of my question was if there is any advantages to have a RE license# , like is there  any specific software or website that only agents can use ,like there was one  (realtracs.net) that I had a friend who let me borrow his license number and ID to log in to the website to get the area comp and much more detail info that I was not able to get it as a non-Agent.I hope this makes sense and did not complicated my initial question.Your friend would lose his or her license in one second for doing that.

Hi @Adam HumesFinding a standard, turnkey "buy and hold" that produces solid cash flow from day one is incredibly difficult here.There are always opportunities for a buy and hold to cash flow though these are pocket opportunities.

Quote from @Ashish Acharya: @Adam Ashley, Great answers so far, and yeah, totally fair question, the Bay Area is one of the hardest places to make traditional BRRRR numbers work.From a tax angle, a lot of investors here pivot their strategy instead of walking away from the market entirely.

We were adamant that the concerned tenant was mistaken as the new tenant came back with zero criminal history (other than minor traffic).

Quote from @Adam Wachter: My wife is a realtor and works full time in that role, so she qualifies as a REP. 

Quote from @Adam Macias: A 50-year mortgage sounds like affordability — but it’s really it'll be debt that never ends. lolOn paper, stretching a mortgage from 30 years to 50 lowers the monthly payment, yes.But in reality, you’re paying far more in interest while barely building equity for decades.If you buy a house at 25 years old if you're lucky, you'll be 75 when the mortgage term ends...It’s housing that feels like ownership but functions more like renting — just with a longer contract and a higher total cost.The real problem isn’t the length of the loan.It’s the affordability crisis that’s forcing people to consider lifetime debt as a solution.Until we address prices, wages, and supply, extending loan terms only delays the inevitable...The further elimination of the middle class chasing the American Dream of owning a home.