It's best to keep your head down and look up in 10 years to see how it turned out.Yes, I agree, but any investing is risky so you have to be smart and mitigate the risk.

It "can" indicate a certain financially disciplined person, but there is a reason DTI determines a mortgage and if it's good enough for the bank, well why wouldn't it be smart for the landlord too? 

Sure, a seller may offer you 5%, but if they're smart they will ask for a higher sales price in exchange for giving you an advantageous loan. 

From securing the best financing options to planning for future growth, my goal is to help you achieve financial success through smart real estate investments as a loan officer.

Smart to add the 5th bedroom.

@Anita Zuniga if your end goal is to eventually move to San Diego then I think this would be a smart plan. 

Given the equity you’ve got, a cash-out refinance might be a smart play.

Exploring cities outside of California for real estate investment can be a smart move, especially if you're looking for markets with strong growth potential, reasonable property prices, and good rental yields.

Smart planning and close checking can help you win in the market.Good luck!

The best I can offer is to tell you to verify that income carefully, and as @Brent Paul said, make sure that income is not about to be interrupted.Sometimes with CC debt, you do run across reasonably smart, stable, functional people with that much.