I would like to do some research on other rental properties before I set my priceComputer algorithms are good for studying a general market, maybe even a neighborhood, but they are terrible for evaluating a specific rental.

Regarding DTI - mortgage industry will alllow around 40%, but tenants tend to pay a higher percentage of their income to rent/housing than homeowners.

I know our lease agreement specifically states that if a tenant reports a maintenance issue that ends up not being an issue at all it's the tenant's responsibility.  

The California government will deal with the damage the same way all governments do , they will find a way to raise taxes or get the Feds to pay for it ( that will be difficult with the new administration ) Here is what I find ironic , California has C.A.R.B. to pass regulations on vehicle emissions .

A little about me: My husband and I live in the SF Bay Area, we have a 3 year old and a newborn and we both work W2 jobs in the biotech industry.

My biggest advice for people would be as follows.Know why your in the real estate game, and why a specific niche.

@Ryan Daniel  I will preface this with the fact that I have a legal background, specifically with estate planning and asset protection in relation to real estate investments.

You have to dig a little deeper there are questions that need to be addressed and VOE's filled out with specifics in order to use certain incomes and "stipends".Similar to a traveling nurse who get housing, meals, and other income. 

Do you have any specific goals for 2025 that we can help you with?

Make sure you thoroughly know how the regulators view the way things are being done, before committing to a "creative financing" technique.