I have been the money partner frequently.

The attractions to San Diego are many, from the amazing nightlife and frequent festivals/events, to the beaches.

And that amount is frequently exempted for a few years (e.g., 5) and then is added to the assessed value.

People who have saved, travel frequently or are just busy and have enough to worry about are a few ppl I can think of that would do this with good intentions.

I definitely think about climate change and it's effects on the country in the long run quite frequently, but much like Tim, haven't considered it much while investing as I too live and invest in MSP. 

I have had the realtor follow up frequently and I sense the buyer is motivated, so I may be able to get a better deal.

In contrast to long-term rentals in which you primarily rely on tenants to keep the unit clean, the quick turnover of STRs ensures the unit is being cleaned frequently.

(It's also possible that because your loan amount is going to be so high, the 28K still fits within the allowance; I don't deal with regular residential mortgages enough to know the exact allowed percentages right now but I know it frequently comes up as an issue.)My other major question/concern would be whether it's actually a legal 4-unit property, particularly regarding the basement unit you mentioned.

There are a ton of neighborhoods and the boundaries are frequently not well defined and at times might feel arbitrary.

However, for me, it’s a real life rags to riches story (and I remind my wife about it frequently!”.