If I'm able to make a cash purchase, do you recommend stabilizing the property before seeking a DSCR loan i.e. is it better to use a DCR based on real rental income once the property is leased or based on a rent appraiser before leasing?

For us the biggest challenge has been the pricing of product.

My GC primed and painted over them a few times thinking they were just old, stubborn stains that needed extra product, but they kept coming back after each rainfall.I hired a water intrusion detection company to help me pinpoint the problem - they said the new roof seemed solid and that based on infrared and temperature readings, the moisture is coming in from the partition walls.

Its completely stabilized and some subsidized rent tenants.

Economic Uncertainty: The broader economic environment, with concerns about a potential recession, can affect tenant stability and property values.

The best option for early retirement depends on long-term appreciation and steady income, with Bay Area ADU purchase best for stability and appreciation.

@Alex SinunuNot a DSCR product. 

These areas often offer stability and lower vacancy rates, which aligns with your long-term, equity-building strategy.

Also, we just landed another deal so that gives me an excuse to stay focus on stabilizing this asset in the next few months. 

Newer Property: The appeal of a 2020 build is understandable—fewer maintenance headaches and potential for more stability.