I have never had a tenant stay for only one year (maybe I'm lucky), so I reserve 8.3% for the first 18 months, which covers both the 1 month of vacancy, and the placement fee.

She also told us that our insurance carrier would not cover that dog. 

Pt Loma is relatively expensive, but there are some areas (near where I'm at that are more affordable/have more apts/condos).

I am self-employed, so I was hoping to get a No Income Verification style loan (at least that's what it was called last time), where they look at your bank statements to make sure you have enough coming in to cover the mortgage, taxes, insurance, etc..Basic stat's are as follows:-Income roughly $5,300/mth in deposits (minimum)-No car loans-Current townhouse has been paid off for a few years-Have a couple commercial properties (one in my personal name ($300k ARV) - just purchased in June 2018, the other one ($300k ARV) owned in a corporate name for 3 years).

I am worried it may still be difficult just because a lot of the possible properties around my area (central Ohio) seem to be more in the $200,000 range worried my price point of about $400 per month for rent may not be enough to cover the mortage and other expenses wondering what everyone thinks about this.

@Dean WestI'm also based in San Francisco and can relate to your itch to invest out of state.

Many members are experts in their respective fields related to real estate investing, whether that is real estate brokerage, wholesaling, flipping, buy and hold, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.There are some pretty cool discounts on various products and services offered as Perks to BP members that you might want to check out: https://www.biggerpockets.com/perks/proIf you haven’t checked it out already, the Bigger Pockets blog features links to their awesome podcast and many great articles: https://www.biggerpockets.com/renewsblog/The site has quite a few tools that can be helpful for new members.

According to this website, Citi cards are the best for extending the warranty: https://thepointsguy.com/guide/best-cards-for-extended-warranty/.I read the exclusions on the benefits/disclosures brochure associated with this card, and the only thing I saw that wasn't covered similar to what you're referring to was "Items purchased for resale, professional or commercial use." 

@Sam Crochet I've been on the other end of the deal, but make sure that your homeowners/landlord policy covers vacation rentals i.e. subletting for stays of less than 30 days. 

There is a recovery/behavioral health building down there that seems to be holding the neighborhood back a bit.