Education standards must be raised so that students actually use their heads for something besides hat racks (allowing them to actually earn a living) and have ready access to birth control (all types of) so that some mistake doesn’t derail one’s entire life.Slow down immigration, too.

Coupled with tailored marketing efforts, these enhancements attracted buyers and significantly increased the property’s profitability.

It was put in place because the feds have increased immigration for the last ~10 years (over 5M people or 8% of our population) to the point that we now have a housing shortage. 

2) Is the extra LTV on cash-out worth the increase in interest rate and if not, how much LTV would I need to go get the next property?

You should also be aware to make sure what was provided does or does not meet industry standards.

20 to 25 year amortization is pretty standard for commercial loans, in my area at least.

Your insurance is going to be highly variable and I wouldn't use what an agent or the seller tells you as the cost of dwelling policies have increased substantially over the past few years due to rising new construction costs. 

Augustine standard where most in fill lots are around 50' x 100' to 125', 200' deep dryland is a good lot.

Market AnalysisDemand: Red River Gorge has seen a significant increase in vacation rental demand. 

I believe CA market in general is expected to increase by 4-5% but SF is unique.