I am an extreme bear in this market and won’t be interested in debt or equity positions against multifamily in most markets until cap rates exceed Freddie debt rates by 100 bps, preferably 150 bps.

But everything else like moving walls (non load bearing) recessed lights etc.

Does the design change load bearing walls?

Choose your path, remain committed, and with the backing of this incredible community, success is within reach. what would help every one is if you mentee's would go to the General Real Estate topic and in the drop down there is a top for RE success stories that's a great place to post ACTUAL results not just talking bout the program we all understand people get excited about RE but most never do anything so if these programs you mentioned actually bear fruit then post some there for everyone to see and gain experience with and so on.

I did find a couple of investor friendly insurer options on this site so hopefully that bears a couple good options.

It's a full service banking platform - just like you'd have at any other bank with interest bearing accounts, the ability to set up multiple accounts and sub-accounts, issue virtual credit cards and more.  

Same goes for number of LLCs and what to fund them with, since bear in mind that CA tends to be more cumbersome and expensive to have LLCs than other states.California is generally more cumbersome than other states when it comes to taxes and filings.

Security deposits require separate handling - they should be placed in an interest-bearing account.3.

Also, your classification of the property as a rental has no bearing on the fact that you should be tracking your basis. 

Now you're operating a triplex, essentially, with 2 income-bearing units, even though the street might be zoned for SFH only, and it's totally legal (assuming appropriate setback etc etc).