There are only 2 things that would allow the renovated garage to be habitable:1. 

I just see so many problems with it.A landlord in California generally cannot get out of their legal obligation to maintain a residential property in habitable condition, even if the tenant were to waive that obligation in the lease. 

I would recommend talking to Shane Utesch with Vitalized Homes.

There are also smaller scale meetups available on meetup.comHere are some great books that I have read and have provided some great insight not only in Real Estate, but also in life.Ultimate Beginner’s Guide – Here on BiggerPockers under “Education” then “Guide”Millionaire Real Estate Investor- Gary KellerRich Dad Poor Dad- Robert KiyosakiReal Estate Advantages– Sharon Lechter and Garrett SuttonThe ABCs of Real Estate Investing– Ken McElroyThink and Grow Rich– Napoleon HillThe Seven Habits of Highly Effective People– Stephen CoveyHow to Win Friends and Influence People– Dale CarnegieE-Myth- Michael E.

Nicole Graves@Nicole Graves My portifolio lender will finance a fix/flip as a conventional or ARM but does not offer any avenues for rehab line credit on a habitable house.

I will share a some vital info about my self.I am seeking a owner financed property( SFH or MFH).

@Edwin PinaIf you are an "investor friendly" Brokerage, then you work with ALL types of investors and, like us, are investors themselves.If that is the case... and not just hype, then the three suggestions are inherent to doing business.In our case, we are a larger HUD Brokerage, and because of that have a strong relationship with a HUD approved Title Company with multiple offices who can do a number of things:Mail away closings - We support investors as far away as NorwaySimultaneous closings - We work with a number of wholesalers so this is vital.

The bank may say it's not fully habitable and reject the loan or make you escrow funds to get the drywall fixed.  

Lenders have a funny habit of approving you for something that you wouldn't be able to afford ketchup for your ramen with.  

Whether or not these four properties lead to a deal or not, the boost of confidence received from BP and its tools help me to go into any lender's or potential CPA's office with a professional presentation and professional appearance that really helps establish good rapport in dealing with these vital professionals crucial for the success of my business as a newbie real estate investor.