Been looking into these AI call systems too so would love to hear perspectives as well.

You should sell it but not until the market shifts.

Sounds like, from your perspective, this type loan would not be best for my situation. 

I suggest you enter private money goldmine in search botton at top right of the screen and read the previous posts....here is one that gives good perspective as well as a link to legitimate private lenders.http://www.biggerpockets.com/forums/92/topics/1488...

I worked with a travel nurse who does shift work and 5 lenders said that they couldn’t finance her primary residence purchase and I ended up making it happen for her. 

I'm curious on your perspective. 

With that in mind, you should have a decade or more perspective when you buy.

From the numbers perspective it seems like it can pencil out depending on the rehab budget. 

From an investment perspective, I'd look to invest in small multi-family 2-4 units with a larger down payment ~50% or more (only way to produce positive cash flow here at the moment) Investing in San Diego right now isn't driven by immediate cash flow.

@Michael S. great to hear the local perspective!