Quote from @Bryan Vukelich: Aloha @Lei Wei and as always, big mahalo @Andrew Steffens for recommending me.  

Since the last time I was online, I have grown the investing to fix and flipping and a portfolio of 4 properties that are producing passive income.  

I've talked to lots of California and a few NYC investors that have lost money (including myself) who bought inexpensive properties in the Midwest mostly and a few in the South (Class C is volatile). - some strategies I've seen California investors use to lessen negative cash flow: house hacking, mid-term rentals (people temporarily displaced from home renovation or insurance reasons like fire), rent by the room, Short Term Rentals. - The ultimate house hack, live in the small ADU unit and rent out the two levels of the main house on AirBnb in San Francisco (I would have thought STRs are oversaturated in S.F. but it worked for them and they stay fully booked).

It’s a good idea to work with a qualified intermediary and a tax advisor to ensure everything is structured properly and you’re clear on any tax implications.

There is statutory, and as you pointed out, now Fannie/Freddie guidelines, that exempt many transfers from being subject to the Due On Sale Clause...asset protection/estate planning purposes are covered.

These platforms are affordable and offer comprehensive reports (credit, background, eviction history) without you having to handle sensitive information directly.Verify Employment and Landlord History: Your plan to request pay stubs and a landlord reference is solid.

It's a lot of work upfront but once the team and systems are established it gets easier and as you get better you can expand to another city. 

The regulation was ruled illegal and a permanent injunction was issued.  

So you give us contradiction and a deafening silence as to those who are too poor (no, insufficient, insurance) or are unwilling to pay/co-operate.Woolly thinking on your part, Jim.

This deal highlights the power of well-executed renovations and a strong partnership in achieving impressive profits.