Most local places are offering a CA Fair Plan within a couple days, but the DIC plan is taking weeks.I got in contact with Kin Homeowners Insurance, which I never heard of.

It's great you are taking the first steps to better your situation.

Any references for contractors that will take on building a 300 sq foot studio?

I would tell people today that if you buy a primary residence expect to stay in that home for atleast five years, especially with a FHA loan which has lower down payment as the current forecasts for home appreciation or very low which with closing costs on the buy and sell, it will take several years to have equity in the property and enough to be able to sell, so that is something also to consider.

Marketing is all about message resonance.

Hi all, In October of 2025 I opened my own STR PM company.

Don't take my word for it thought.

While the debt would whip out most of the profit for 'x' amt of time, it would seem to be logical to take on the risk at a net zero income for x amt of years if after that point, the cashflow is all positive.

Quote from @Stacie Telles: Hello all, I inherited a duplex fully paid off.

You will most definitely take a lot from this group of investors.