Your response really helped me understand the key aspects of short sales, especially regarding title issues, lender valuation, and inspections.I truly appreciate you taking the time to share your expertise!

If they lie and don't pass your screening, that's their fault.It helps to have your screening criteria written down so you can share it with them.

I have helped Canadians purchase real estate here in the past.

Welcome to the BP community @Maryann Nichols There are many here to help on your journey.

I know a lender that can help with both states that does investment lending for very cheap, it would be worth a connection as you look to build out your team no matter what you decide.

Very appreciate the help :)

Hopefully, you find the info below helpful.

Thank you for this, this was really helpful. 

The liability coverage is way better, the building coverage is often better, and commercial policies typically cover loss of business income as well, which a homeowners policy isn't going to help you with.California + wildfire area + STR is super tough. 

I hope this helps you have a better understanding.