@Abel Curielthis is so beyond and more than helpful. it's been a tough gig to start, but this really simplifies it and brings me confidence.

I believe CA market in general is expected to increase by 4-5% but SF is unique. 

Market AnalysisDemand: Red River Gorge has seen a significant increase in vacation rental demand. 

More questions, more authenticity, the more your confidence builds too.

If you need more coverage, you can usually increase the liability amount on your current policy.

With owner financing, depending on terms offered, we can increase that number by 10 - 20%.  

Apparently the water wasn't shut off at utility, and the HOA seemed confident we can turn the water on for an inspection, so it is only a matter of de-winterizing which my agent has now arranged on my behalf.

Not only would the rent cover your heloc costs (eventually) your property value increases giving you the equity you options for additional real estate investments down the road. 

Right now, we’re seeing a slight increase in inventory and some corrections in rents, which could create opportunities—but achieving solid cash flow on a condo can still be challenging.Getting pre-approved is a great first step to narrow down your options and focus on locations that make sense for your goals.

This minimizes risk and lets you build confidence as you gain more experience.