If you need me delete my posts I have no problem I am not trying to give you a bad review.I was offering my opinion based on knowing you are "Not a lender" so for me seasoning and being familiar with guide lines is crucial in offering an investor the right guidance and direction for financing.

I will say that @Collin Hays is right.

Set a clear goal for your first property, find a mentor, and keep educating yourself—you're on the right path!

Please advise.ThanksMelAllstate: They offer a range of property insurance options.Farmers Insurance: Known for providing various insurance policies, including for rental properties.Liberty Mutual: Has a presence in California and may be able to meet your needs.Nationwide: Offers property insurance and may have suitable policies.Good luck in finding the right coverage! 

You looked past a red flag right at the outset:"When application was made tenant was I am not going to to have my puppy with me so do not need pet fee or application"Total red flag.

For a cash out refi, you are generally limited to 75% LTV and rates right now are in the mid 7s for good credit and a DSCR over 1.0. 

The specific property I am looking at right now is netting from PadSplit to the current owner  between $5k-$6k per month.

Tahoe isn't ideal right now as the local community is vehemently anti-Airbnb and the permitting system is challenging to navigate.

I’m trying as hard as I can to make it right for anyone that had a poor experience. 

This can be done, it just requires finding the right lender.