Here is text from sb13 “the violation is not necessary to protect health and safety, as determined by the enforcement agency, subject to specified requirements.” 

So most agents are only putting about half of that $12k in their pocket, and out of that $6k they have to cover all of their operating expenses: licensing fees, MLS/ Realtor Association fees, continuing education classes to stay compliant with licensing requirements, monthly "desk" fees/ technology fees to their brokerage, health insurance for themselves and their family, errors and omissions insurance (required), marketing, car, car insurance, gas, clothes, computer/ software, cell phone, closing gifts, signs, photography, staging if they offer that, etc.

(I also had to come to CA for health reasons, so I am not sure if that is an exception)- If I use any of the above, can I use a portion of the money to pay off personal debt?

For the personal side of things, I do a GoBundance Onesheet, which breaks my life up into Financial, Health, Relationships, Friends, Adventure, and Spiritual/Contribution.Happy to share either document with you if that would help Tonio!

Health professionals are generally looking for 1-2 bedrooms and even travelers in other professions look for that size unit.

You need to adjust for inflation--back in 17 that wasn't on folks radars--and health costs.We do this now because of satisfaction, interest, and everything in between.

You need to carry a special type of health insurance, not the traditional kind.

As the portfolio grows, we’ll be able to implement gradual, strategic adjustments to rental rates, particularly for tenants in need, without undermining the overall financial health of the endowment.Phased Returns for Investors:Investors will be repaid through a combination of rental income and profits from other high-yield activities, such as property flips, during the early phases of the project.

This subdivision will take about 5 years to sale.A State mental health facility closed in our town.  

You need to carry a special type of health insurance, not the traditional kind.