I was told that 75% ARV is what lender's appetite is for this type of loan if we're using a conventional loan right now.

With the aggressive fire suppression over the last 100 years the west is seeing dramatically LESS acres burned every year than the historical average.

Even there, a variety of banks/credit unions will pull your credit and not actually have an appetite for lending on investment property.  

I had no appetite to go to trial and pay my lawyer another 5-10K for the risk of getting an uncollectable judgement or worse, losing.

I have a client on the coast that has identified a vacation rental eligible property, a 3/2 1700SF coastal home with garage and the county requires a sprinkler system for fire suppression as it is considered a ‘commercial’ type usage. 

I loved working for Universal, but the appetite for new attractions has dried up since COVID and without new attractions, there is no need for the designers who design them.

The key is for the seller to see the advantages of tax consequence as part of the deal.I like this approach, and cant wait to use it, because it seems it whets the sellers appetite to a strategy that may seem initially unnecessary, but has untapped benefits in a seller's market.

Just depends on your risk appetite and which outcome has the most potential. 

I could be wrong, thoughEach carrier has a different "appetite" and rules & regulations, so it would likely be in your best interest to seek another opinion (I would suggest an insurance broker)

it depends on your risk appetite and how much you think the market is going to go up in bay area. if you are going out of state you are going for income not for appreciation income is more likely you are going to see in near future but appreciation is imaginary .