.), how litigious is your state, your own loss history/ratio as an individual investor, the carrier's overall loss ratio in a certain state/area, the deductibles you've elected, etc. 

One of my friend happens to be a RE agent, landlord and a property manager himself and he seems to feel that as long as she pays rent on time and does not create nuisance, not to worry much and just keep do a quarterly property inspection.

I funded this with US cash, as well as a loan with a Canadian bank.I have shared this process with many friends and other real estate buddies that commended my journey.

All the friends I trust were out of town or married, and I was done living with strangers. 

The owner is friend of mine, really good dude.

And CA is extremely tenant friendly so it's not a great place for a rental. 

DSCR loans are going to be your best friend in this case. 

I don't want the opportunity to pass so I'm reaching out to family and friends who would potentially want to invest too.

That’s the kind of agent you want in your corner, especially in a competitive market like San Antonio.While I haven’t worked with him directly, I’ve spoken with an investor friend who did.

I'm not sure by how much your rates are increasing but I have friends in NOLA who have seen a 2x increase per year.