They will of course try and sell you on more ongoing coaching, the free seminar leads to the bootcamp which leads to the monthly coaching which leads to the ultra mastermind insiders club group etc etc.

I also use a lady in Texas who gets us fast same day quotes and is ultra responsive, and her quotes are very reasonable.

FYI a bank would take you but just know that banks are ultra conservative and move very slow.

Perhaps if there is a lack of knowledge/ability on deploying additional capital effectively... or maybe a lack of confidence with properly estimating and maintaining enough liquidity to cover the moderate volatility of owning a rental portfolio.But aAt the end of the day though one's equity simply won't grow as fast the more it is dissipated into inefficient investment vehicles, and it could be argued that, ironically, leads to greater inability to cover risk and adverse circumstances than the ultra-conservative REI's tenets end up doing.

What I particularly enjoyed was how Chris tied a charitable and physical element into his investing with running an ultra marathon.

. - Congrats on your success...everyone including myself is ultra jealous on how early you're getting started!

Here are threads on durable materials for all aspects of rentals:http://www.biggerpockets.com/forums/52/topics/68041-how-do-you-harden-your-rentalshttp://www.biggerpockets.com/forums/52/topics/77534-rehabbing-for-rental-propertieshttp://www.biggerpockets.com/forums/432/topics/82068-durable-efficient-remodel-of-rentalhttp://www.biggerpockets.com/forums/52/topics/78052-what-renovations-make-the-most-sense-for-your-rentalshttp://www.biggerpockets.com/forums/52/topics/99325-how-to-make-your-property-indestructible-well-almostHere are threads for just flooring in rentals:http://www.biggerpockets.com/forums/52/topics/53707-what-is-the-most-tenant-friendly-flooring-http://www.biggerpockets.com/forums/52/topics/84063-rental---12mm-laminate-vs-porcelain-tilehttp://www.biggerpockets.com/forums/52/topics/76696-trafficmaster-allure-ultra-wood-vinyl-plankshttp://www.biggerpockets.com/forums/67/topics/73244-trafficmaster-allure-and-vinyl-wood-flooringhttp://www.biggerpockets.com/forums/84/topics/93026-refinishing-hardwood-floorshttp://www.biggerpockets.com/forums/52/topics/67742-placing-laminate-flooring-in-rentalshttp://www.biggerpockets.com/forums/84/topics/70869-refinish-pine-floors-or-install-pergo-or-laminatehttp://www.biggerpockets.com/forums/52/topics/60380-color-shade-of-laminate-to-put-in-rental-http://www.biggerpockets.com/forums/52/topics/72857-vct-flooringhttp://www.biggerpockets.com/forums/52/topics/78077-lifetime-warranty-on-flooringhttp://www.biggerpockets.com/forums/52/topics/88289-commercial-carpet-vs-residential-carpet-for-rentalhttp://www.biggerpockets.com/forums/84/topics/93278-floor-in-a-canhttp://www.biggerpockets.com/forums/67/topics/74297-hardwood-engineered-flooring-over-concretehttp://www.biggerpockets.com/forums/52/topics/70293-flooring-in-rental-stairs

If they are lazy or ultra conservative, they will take the easy way out and show rental income based on last tax return.  

Every surface has been ultra-cleaned and painted over many times.

And especially... having this success in the ultra-hot SF Bay market.