Quote from @Kyle Carter: Hello BiggerPockets Community! 

Quote from @Michael Moya: Hi Bigger Pocket Community - Looking for some insights and advice on loan options for single family homes under $120K.

Fortunately for our 100+ house community, the fire department was already on site battling the brush fire and about a dozen fire fighters frantically extinguished the 4 or 5 roofs burning.This is insignificant compared to what has happened in LA, Palisades, Malibu and Altadena however having lived through Hurricane Andrew and many other major storms even this experience was drastically more terrifying and chaotic. 

Look for properties where you can add value with smart, targeted renovations rather than going overboard.Financing Strategy: Since you're aware of the leverage risks, keep your financing options flexible and conservative.

It's wise to be cautious and aware.

I would like to ask the advice of the community - can I get some viewpoints on how I could double check this lady's work?

If it is a pet, be aware that they could get paperwork saying it is an emotional support animal (if so tell them it needs to be from a local medical professional not a website) or say that they don't have a pet.

Quote from @Brandon Foster: Hello Ryan,STR is do able in the north county area but there are a lot of rules and regulations.The city of Oceanside right now will not allow anything STR unless it’s west of pacific coast hwy.This is changing a lot too so you need to be aware of that in your plans.Carlsbad is super strict too but there are some condos that are still available to do STR in.Medium term rentals are as safer bet but way less profitable.

.: Some of the advice above is not well thought out or not aware of the rules in CA.  

I'm excited to be a part of the Bigger Pockets Forum and look forward to learning from the community.