I would suggest shopping it around a little more until you find a lender that offers reasonable terms and has a positive reputation.

You may want to look at concessions to help cover costs or buy down your rate to a comfortable payment. 

@Lauren Cartmell 95%+ of agents only know how to do owner-occupied transcations:(So, be careful.Adding to the advice already shared, an experienced investor agent will know that there will be no showings without an accepted offer - to avoid pissing off your tenants with constant showings.

For people on vacation, I want their experience to not only be seamless but comfortable.

It ended up okay, but it sure taught her to slow down and get comfortable digging deep into the due diligence.Here in San Diego, I’ve seen the seasoned investors always double-check with a well-regarded local title attorney..I’ve heard there are a few firms around downtown that specialize in smoothing out odball title issues..or a trusted property manager who knows what unique fees to expect.

Are you offering any special programs, incentives, or advice to help them close out the year successfully? 

So I offered to pay for the flight, if they returned a clean and empty house.

Offer to intern, find a way to get involved.3rd - If you find a deal, you can then find financing! 

I'll admit upfront that I would never own rental property in CA, so that colors my response.I'd offer the tenant up to $10K to leave immediately, keeping the eviction off their record, then sell.

They managed to cover the mortgage and still had a comfortable place for family vacations.