Is this a good idea in today's climate? 

Factors to consider include population characteristics, economics, climate, and overall stability.

However, I do have an issue with the current climate and culture relating to people's sexual preferences. 

It is also one of the few regions in the country that is supposedly becoming more hospitable with climate changes. 

The risk is always present due to the region's geography and climate and it's crucial to have a solid preparedness plan and adequate insurance coverage. 

Yes, it is considered climate change resilient and won't get too hot in the summer, but then there are the other 6 months.

While it’s still true that he doesn’t have liability as per the lender; he may be sued by the seller or new buyer if default occurs in our current legal climate.  

GTFO  Lot of biggerpocket advice doesn't make sense (always purchase home no matter the business climate, continue investing to GP syndication , always flip no matter what, buy one hundred rentals , always buy in ohio/arizona, leave california tomorrow , buy subto/wholesale ,etc ) .... but if some of us has to counter  and argue about it everyday, we would lose our energy.Lane doesn't scam anyone.

Typically HELOCs have adjustable rates and if the banking climate changes I believe the lender can actually cancel them at their will.

I work with many investors from California.My office is Ann Arbor, Michigan but we serve the whole State.Lot to say about Ann Arbor being voted #1 place to live and retire in the country throughout the years, most educated city in the country and the Great Lakes making the area fairly climate friendly.There are some markets that are better for cashflow and some that offer more appreciation.To your success!