Maybe look around and see what "stumbling block" others are having and create a solution for that.  

Oakland will vary block by block and CA has very pro-tenant laws.

The biggest pain points like others mentioned is the Pre-Payment Penalty, Lender protections, and undisclosed fees. 

I have the sense that I have a lot of good building blocks to work with, and I have some strategies I'm considering (like build and hold), but I would love the thoughts of the community. 

Even on the east side things can be very block by block.

So when using commercial loans on multi-family properties we always run into the same block - where do we get our downpayment from? 

As Tony Robbins says, people move away from pain and towards pleasure.

Right now, Stayfi has been beyond a pain!!

But the idea of taking my cabins offline for that long is painful. 

You can do the same, find the pain point and solve it.