You need to think of that before it comes up (I know this the hard way...because I forgot).

I buy real estate but I carry debt which is actually tax deductible, my money works for me.

You can use HML don't get me wrong but if you just put a little bit effort in to pre-planning and getting all your ducks in a row then going with a traditional community bank would be a better option not only for your current new construction needs but also for future acquisitions.

So strange as they ghosted me

and if you don't have enough money to house hack in San Diego... save up until you do.and if you want to move somewhere else, house hack there. 

Subsequently I ended up buying property in 8 states, and a couple weeks ago bought 5 properties in 5 days in 3 states.

Consider that you could end up owning the property.)Vacant Premises: You don't want an eviction.

Have a big database, sellers who look up my brand/appeal.

Feel free to give me a call if you have questions.

Most of the newer ones use the same exact flapper on their entire line up and it's easy to change.