In a real world example, a guest got severely injured and the regular $100,000 coverage on the policy was not enough so the umbrella picked up the rest.

Several that I know meet regularly are those hosted by Bobby Sharma (usually meets on the peninsula if not virtually), Neal Bawa (mostly virtual these days), Lori Greymont (SJREI in San Jose) and Bay Area Wealth Builders (they meet in the north bay).

If you decide not to do a DSCR loan, the second home loan is a popular option, but there are lots of drawbacks for investors as it is really a product made for regular home buyers.

Personally can't stand regular office I do not care how cheap it is UNLESS it is sitting on valuable land and I figure in existing building demo costs to re-adapt the dirt to a higher and better use than it becomes appealing.

Most of the time, deals pencil better with a regular DSCR loan for an acquisition than with a high-interest rate ARM on your primary. 

There are basically no multi-families and the single families are getting bid on both by investors and just regular folks looking for a primary residence.

I have been investing in residential real estate since 2012 first in California and then in Florida.My cash flow has been slowly and regularly increasing during the years thanks to the cap on property tax increase in these 2 States (IE proposition 13 in CA and 10% cap on investment properties in FL).Recently I started to analyze deals in Texas and Indiana for my next rental property.Reading some posts on this platform and talking to some investors, I quickly realized that, during the years, all the rent increases will be eaten up by the regular property tax reassessments.I think many investors often underestimate this issue.Am I missing anything?

In my market, JADUs are regularly being removed when selling a property to achieve top price even though they can generate income.  

Concentrating on growing your education & how to creatively purchase more cash flowing properties is the most valuable hours spent regularly. 

A property's operating expenses are those that it incurs on a monthly or annual basis and are considered regular and continuing.