I think it’s a more recent consideration (maybe in the past decade or so based on my digging / anecdotal feedback) and perhaps some of you that have been in the business longer and simply renewing old policies may be getting a pass.  

Some will be ok in 2nd position and some will not and force you to refinance out the first - but those are options that are probably cheaper than credit cards 

Quote from @Michael Challenger: I have no qualms with hard money lending, but I need to learn more about the process and structure to these for typical deals so that I am more comfortable and in a position to reduce my personal risk and risk to investors as much as possible.

Would appreciate honest feedback for the best way to get and stay organized!

Thanks Tim, that's exactly the feedback I was looking for!

I know for a fact there are other women in your position that live in the Bay Area and are investing in markets like Ohio

In many cases, it weakens the lender's position as they did not underwrite the buyer and an owner-occupant tends to pay better than non-owner-occupants.

Usually living in it for a few years may be enough for it to cash flow positive when you move out.  

Ideally looking to cash flow positive on all properties.  

On crime... one positive trend is that APD, in partnership with the courts, has lowered the previously skyrocketing murder rate.