However, the house hack is more often than not the lowest barrier to entry to get your investing journey started. 

From there  you will often see certain carriers be more aggressive in specific markets. 

Turning an entire neighborhood where over 80% of the homes are new construction dating back to least 2015 till now, over a span of ten 10 years.Building houses is required to initiate a major gentrification process of a neighborhood, but the guy that invented tires didnt invent cars as we see them today.

Off-the-shelf policy that focuses exclusively on death benefit isn't it, and I see those way too often.

Those are traits that are often internal to someone - not something you can easily coach.Often what I hear is that you should start off by owning your own home... and let that be your first investment.  

However, this exemption often depends on specific criteria being met like building permits, zoning compliance, and certificate of occupancy for the newly created units and you would get this from the LADBS.

In my opinion, this is much more effective than texting, which often feels like a constant game of cat and mouse with phone carriers.

You can often hire them at a reduced rate.

I'd attack the credit report :) 1) lower (pay down) whatever accounts have a high utilization percentage 2) contact each of 3 major consumer credit agencies and get a free report, then dispute every hard inquiry that is *NOT* associated with an open account 3) call the credit cards you already have established and ask for a credit line increase -- often can be done online and they do not verify income, hint hint. 

They can provide a hassle-free way to enter the market since the properties are already renovated and often come with tenants in place.