I lived in Los Angeles, so I get your pain.

Will it be a painful experience?

There should be other options, however with an LLC and fourplex - yes, DSCR is by far most likely to be your best option unless you do the heavy lifting with local banks and credit unions (and these are increasingly not great options for this type of stuff as they move painfully slow and are under lots of regulations and restrictions)2) I haven't yet reached out local banks, but seeing the quotes from brokers makes me wondering if Banks may be better? 

Now granted this is rare to the extreme but if your the one losing out its painful.

I paid PMI which feels painful but if you keep your eye on the long term prize it's worth it. 

I'm giving myself 10 years to be successful at this.Turn key properties are best for me right now, as I'm a provider in a clinic and work 3 nights a week in an ER, so my time/energy is limited.Thank you all for any tips, advise or otherwise!

@Loan NguyenAs someone who grew up in the Bay Area (just north of San Francisco), I feel your pain. 

He is currently renovating a defunct motel near the Clinic to add even more. 

I feel your pain.

When you invest in OH, I've heard some good schools, and some decent employers like Progressive, Cleveland Clinic etc. -- but, which one would you choose and why?