Start to evaluate deals based on the income approach and you'll do much better long term investing. 

First you put people on the phone, so that is an intimate situation, second you lead off telling them that they are basically guaranteed to make $500k and will do so for as long as it takes until they get there, then later say it costs $15-40k .. they even say once you make the $500k you'll get the $15k-40k back.What is most disappointing about this is as I did my diligence after the call I found a youtube video of a lady who is NOT a high/medium income individual give her review of the program and she had nothing bad to say about it, she just said she was unsuccessful because she didn't put in enough effort because she had too many life situations going on.

What would one of you suggest for a medium term operator whose tenants may be over using a specific utility like gas or electric.

For years, many projects in Chula Vista's Coastal Zones faced long delays, but starting in 2025, SB-423 changes that.

If so, how long? 

Long-Term takes the least amount of time, Short-Term the most.Unless you have the time & discipline for this, SELL.4) If you sell, would it make sense for you to re-invest in other rental properties?

Just trying to get favorable terms as compared to conventional loans.

You wouldnt want to do a rate/term refinance as you barely owe any money and the title/escrow fees alone would be cost prohibitive.

Principal Paydown- If your loan term is say 20 years. 

This is a marathon and not a sprint, so look at it like that so that you can have a long and fruitful career.