Driving a car is legal, as long as you follow the rules.

Does this process seem normal to you?

This property had a main house, a pool house, an apartment over the 3-car garage, plus a 1,200 SF guest home.

Depending on your loan it might only work in the STR game.HOA’s normally do not allow in the Oceanside area but if you get on the beach then they do with restrictions.If you want a personal consult let me know.I have a team here in Oceanside, Carlsbad.

You did things outside of the normal without proper knowledge.

You are likely overpaying by $5,000.Broker fee of $3,000 and Processing Fees of $2,000 seem out of place...but then again, i never used a broker to get a loan so I am not sure about that.If the broker was able to get you an interest rate or loan product that you wouldn't be able to find on the open market...its high, but likely fair.if you are getting a loan product that you could have gotten by going to a normal bank...seems high and unnecessary. 

Its normally fee service providers who are the greatest advocates of the program, whether it be agents, PM's, coaches/gurus. 

They post their rooms on the normal hotel, discount site, etc.

I have fridges for decades and the seals don’t go, yet expect the argument or normal wear.

Thank you Eric.In addition to the rental properties, my wife and I have a paid off house, paid off car, and about $1.4m in retirement accounts, brokerages, and savings.We live in a HCOL area and our expenses are $9.5k per month even though we live pretty modestly.I set out initially to have real estate pay for at least some of my expenses in order to give me more freedom and financial security.Is your wife quitting too?