Hi Nathan - I’m a Realtor and I always encourage my buyers to get the extra coverage.  

. * We can only imagine the morass of bureaucracy it will take to administer Rent Control, housing will be forever taken off the market and it may encourage an illegal black market in Rent Controlled units.https://caanet.org/votervoice/You can contact your local reps here to fight this injustice!!

Just wanted to give you some encouragement to hang in there.Mike

I'm not an expert on judicial tax sales, but here is an article from a local law firm that may shed some light:https://www.weissman.law/resources/tackling-blight-encouraging-development-how-judicial-tax-sales-can-be-your

I would think of this problem differently: I might encourage them to explore ADUs... this would give them an additional stream of income and would likely only require a relatively small chunk of money in their savings (relative to the total cost).If they could partner with someone that has experience building and/or flipping (to qualify for the construction loan), then cash them out with a 30-yr DSCR loan (and use that as the builder's profit), then they could rent the property and enjoy the cash-flow.

I encourage people to start with house hacking. 

I am very happy with the results and encourage anyone to pursue this as another form of income stream.

This is very encouraging.

The very thing they're trying to discourage is what they're encouraging by making the process onerous. 

I appreciate the encouragement!!!!