For example, find a secured loan @ 12% for 12 months or less. 

For example, I budget 10% of rental income for PM, 10% for vacancy, and 10% for capex/maintenance.

As an example, if I purchased a property for 45K a few years ago that rents out for $1000, but could sell the property today for 90K, the ROE is low enough that it would make sense to sell!

For example, if Gold LLC is on the deed and Paul is the name on the insurance, could they deny claims?

You can use any variation of the above example but eventually most agreements end up following the above mentioned example. 

I grew up in Escondido before moving to pacific beach, then downtown, now mission hills (where I’m about to add a third story to my house since I can’t bring myself to pay cash for a bigger house in this market)Not trying to bag too much on Poway but I think it’s not the best example of what SD has to offer 

@Randy Gleysteen Tax laws do vary from state to state but an experienced CPA should be able to understand and abide by multi-state tax laws and filing requirements.For example, my CPA license is in the state of NY but I work with clients nationwide. 

On the surface I get your reasoning but in practice I'd be wanting to see concrete examples of actions by a bank / lender that suggests opportunism. 

For example, Class A properties need little to no work and can be rehabbed for about $1-3/sq ft or $1500-3000.

They are all examples of data disintermediation, giving consumers access to data only the intermediaries had access to.