I ran numbers other day to make sure and at this time have enough cash set aside in business to cover all properties mortgage for 12 months just in case I loose all tenants. 

I ran across this too.

Update...I ran the numbers and we are positioned to pay off our duplex in 15 years which coincides with our estimated retirement, and adjusting for inflation, the cash flow on that property will pay for 1/4 of our entire monthly expenses.

Anecdotally I lived in one in Aptos and they hated me because of being "working class " when the loma prieta quake hit in '89 I ran around for 2 days safing off gas and electrical.While they cowered and cried.

@Zach Cummins to answer a few of your questions, you asked if I ran into some differences in investment strategies with one of my coaches.

One that caught my attention the most was real estate from a distance so my question to this forum is, I can’t afford a fixer upper much less a regular rental property in California, I ran the number used the no calculator and still didn’t make sense.

I ran into a dead end with my lender. 

I ran into similar issues as well.

I ran a pretty sizable HML shop in Oakland with my brokers license.. and you don't need to be a member of MLS or the board or anything.. although In Oregon were we are very active my wife is a broker and we have MLS access which is important for what we do.. build new construction and sell it.. the amount of money we save is pretty significant we sell about 10 mil or a little more of our own inventory a year.. so if I had to pay a broker to list it  that's 200k to 300k we save right there.. 

It's similar in some ways to Indy, more expensive but more cultural/international at the same time.