I believe CA market in general is expected to increase by 4-5% but SF is unique. 

I believe Equity Trust does both. 

I believe it is now free with a BP Pro subscription. 

I have a lot of experience with STRs being a superhost for over 10 years and I believe I can bring in 200k for these houses combined. 

I believe it said a 62% occupancy rate.

Please advise if I have missed anything or anything else you believe is relevant. 

I have a good amount in savings, and as a first-time homebuyer, I believe I can lock in a low interest rate.

I truly believe that how I run my properties and take care of my tenants is a direct reflection of my character and work ethic. 

For someone that's not as conservative, or a different view on the cycle, they might have a different opinion than me on all of this.2) Sponsor quality check: (takes about 45 minutes per deal)I believe that a great sponsor can take an average looking deal and make it great, and that in mediocre sponsor can take a fantastic looking deal and make it bad (especially if there is a severe recession).

I know my SF policy offered up to $1 million on each but I don't believe Erie policy goes that high which makes the umbrella even more important.