I have many more questions from a financing perspective.Is a DSCR the best option to bypass the seasoning period or are there better options to recoup that trapped equity?

I can then refinance it at 75% and get a new $400k loan, essentially getting any trapped money out. 

Also worth comparing processing and underwriting fees, and really any fees that are in Section A of the Loan Estimate. 2) Not understanding the value of experience and relationships. 

Depends on how much capital you're trapping to generate that return. 

This isn't helped by the fact that I'm temporarily trapped outside of the country due to COVID travel restrictions and are not on an easy time zone with SFO.

Also, you don’t need  $360k if the loan gets called; with a principal loan balance of $240k it would be more like $250k.Whether you do a wrap, sub to, or lease option when dealing with a owner occupant / consumer there are many legal “traps” to navigate because of consumer protection laws at a state level, and CFPB and Dodd Frank at the Federal level.  

We owned that particular unit for 18 months are, and save for replacing a few tiles in sections, it seems to work out.Take home - I'm just not sure if it's better than just going with a basic carpet selection.

I live in anaheim California, when it's hot out, my upstairs apartment seems to trap all the heat inside since the ceiling is wood beams, it gets so bad that even if I open up all the windows and doors, no air flows through here.

There is a plan to avoid this entire section (In section 3) but it is important for us to know about these restrictions.

Don't fall for the trap that they blame you.True statement.