Joshua Tree California - 66%3.

I work for/with a very investor focused lender and they support many of our luxury STR and second home coastal purchases for my client's in Oregon & California and they just waived the appraisal for a $800K purchase!

The shipping to Seattle or CA ports would be around $4k.

I’m currently building 2 detached ADU’s in the city of Santa Monica,CA on a current 4plex.

We just see over and over that folks in the forums in CA or other HCOL areas buy a random property in OH or AL or KS, hit a capex expense or two, and wonder where their "cash flow" went.If you are truly in it for the long term, spend some time in the market in person first - don't pick the first property on Zillow that looks nice and buy it.  

One of my clients around 10 years ago that grew up in San Jose CA, he informed me that his Uncle back home started buying affordable homes & lots that bordered areas that commanded a higher price.

My name is Ryan Montes, and I am a branch manager with Change Home Mortgage, based out of Anaheim Hills, CA. 

I don't know the laws in California but I suspect they're similar.I would also definitely recommend getting an inspection if you get it under contract. 

Does anyone know of an insurance agent that will work with a real estate investor from California?

I've owned, operated, managed and sold all types of BnB's throughout CA & OR the past decade.