This indicates a healthy environment for both buying and selling.Adapting to Trends: The extended time to contract and sales for townhomes and condos suggests a more deliberate buying process.

I'm very active—I ride my bike, walk to the beach about 3-4 days a week, and can walk to most of my workout classes.

Not a protected class.

This has all been very good experience, but I am ready to focus and scale: one asset class, one location, one strategy. 

Yes we can use use by simply creating "classes" for each property, and categorize expenses.

they create the environment that discourages additional development of residential units, are surprised when there is a housing shortage, are surprised when rents  rise so fast, and then blame the LL because we profited from actions that the tenants advocated.  

There are still opportunities there but it's getting tougher due to market environment.

I went to their weekend training, but seemed like the networking with others in the class was more useful.

An example would be buying a SFR house in a Class B area for 230-250K that is renting for 1600-1800 range, those are not home run numbers but with low property taxes these are still better deals than what you find in other places.All the best in your search!

Lastly, it could be that the bank is going to portfolio your loan at below-market pricing because they want the entire banking relationship (deposits, transaction processing, consumer lending, etc) or simply want the risk (yield).Lots of local and regional banks have been retaining loans at really aggressive pricing recently as the current environment makes this favorable for them.