But, the self-sufficiency test for FHA loans can be really difficult in SF, meaning that the market rent from units you will not occupy must be sufficient to pay for the mortgage payment. 

If not, who do you believe the natural buyer is and why do you believe they will pay retail when they can replicate what you accomplished with any number of available properties on the market at any given time?

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is expected to be higher, you may consider an umbrella insurance policy.

Why pay off the mortgage early? 

To pay for this, I used a heloc on my current home.

@Parmesh P. there is no such TDA paying 7% or even 6% long term,5 years or longer.

., get a higher paying job, work two jobs, go to trade school, get a higher paying degree, live in affordable area, etc...these are things that most of us did).

I LOVED getting a loan through DR Horton on a DR Horton build, that I had to pay for a DR Horton appraisal.

You can learn from someone one step ahead of you and then do business together.I'm sure there are plenty of mentors you could pay substantial money to to gain knowledge and know how but i doubt it could replace actual relationships that are pertinent to your market and current business.

My guess is that you will pay less per month with multifamily than a single family. 7.