They have great advice for people deep into debt - they give terrible advice for people who are striving for financial freedom through investing. 

Offsets, root/soil intrusion and some build-up in the pipe.

I still have it somewhere in one of my deep, dark closets.

I own a duplex in Englewood, FL, just a 10-minute drive from the beach.

I used to live in Lake County and worked on a project in Grass Valley so I would drive highway 20 frequently. 

They're  concerned that the borrower is going to do something stupid, drive the property into a ditch, impair the property NOI / cash flow, and thus impair the mortgage bond. 

My approach combines thorough market analysis with a deep understanding of client needs, ensuring that each transaction is beneficial for all parties involved.

I do like the idea of house-hacking, but I'm pretty rooted in LA at the moment.

Do you drive guests to VRBO for some reason?

I don't think they have the drive I'm looking for as I try to build and grow a portfolio so I don't think I'd trust them to build a partnership with but, yes, that's probably a good idea.