Ours even have baby and kid programs that are free.

Five headwinds that California coastal real estate is facing which never existed in any previous market: (1) Baby Boom retirement is creating more sellers than buyers. (2) The Fed's unprecedented regulation of interest rates through money printing and Treasury note buying is winding down. 

Additionally, Capitalone dropped me to 4%, and I think Amex might have lowered me to around 4-6% too. The

Ive tried baby steps with blog posts and the documentary on netflix called im not your guru with tony robbins.  

Yeeeeeeeeeah baby!

Lots of banks will refi investment properties and many banks will provide HELOC's too. The

All other things being equal, since you stated multiple offers so I expect that there will be many cash offers too, the buyer represented by an agent that is from the same brokerage as the listing agent will have the advantage.

That's a cost, too. The

Our background: Wife and I just had our first baby in December.

You might have a hard time getting it financed too - the National MHP lenders aren't going to be interested in a deal that size in my experience, and local banks are hit or miss on these.