And we have a chronic housing shortage, so finding renters (or buyers) is n ever a problem. 

Real estate is not for everyone and is a pain in the a## if you don't really like it.

I lived in Los Angeles, so I get your pain.

Now is just one point in time and one can make permanent judgements based on the perceived current situation but that might be shortsighted.As far as the politics and legal framework, yeah it can be a pain, but for those who understand it, it eventually becomes a competitive advantage.

I think your post is valuable feedback consistent with the spirit of this thread in that it indicates what some of your pain points are/were so that others can both make informed decisions about their own investments and also so that the Morris Invest team can continue to hone their services to be the best they can be.

There should be other options, however with an LLC and fourplex - yes, DSCR is by far most likely to be your best option unless you do the heavy lifting with local banks and credit unions (and these are increasingly not great options for this type of stuff as they move painfully slow and are under lots of regulations and restrictions)2) I haven't yet reached out local banks, but seeing the quotes from brokers makes me wondering if Banks may be better? 

Now granted this is rare to the extreme but if your the one losing out its painful.

I feel your pain.

@Loan NguyenAs someone who grew up in the Bay Area (just north of San Francisco), I feel your pain. 

The mastermind investments if your pissed and want to Cause pain I would Shut them down.