I would think transient room mates on renewable short leases would be much safer than bearing the brunt of San Francisco's LTR tenant laws.

After doing an audit on my time and realizing that I spent over 40% of my time shopping for materials, I knew I needed to find a better solution.

@Iliana Herrman while your local market may feel safer there are also markets that will withstand market downturns and appreciate.

I would shop banks.

This will give you more time to shop rates/fees than to be under the gun with a purchase loan. 

@Tom Dieringer After purchasing my first property in 2024, I acquired most of my short-term rental (STR) knowledge from The Short Term Shop, which included maintaining respectful communication with guests, keeping calendar availability up-to-date, and ensuring high-quality listings.When I initially began May of 2024, I opted to list my property exclusively on a single Online Travel Agency (OTA) - Vrbo.

My firm integrated the services together and our clients have loved the one stop shopping for all RE accounting, tax, asset protection and entity work. 

I do not care if he drives a Chevy, a motorcycle or walks to the shop. 

Cute shops and a few slow paced casinos. 

I’d recommend shopping around with different DSCR lenders and considering lenders who specialize in investment properties for more flexible terms and options.Good luck with your investing journey!