I hadn't thought about additonal terms that could lead to complications when turning the home into a rental.

Without a permit, the rental income might not need to be reported, but this approach risks legal issues, loss of tax benefits, and complications during audits or resale.

Or was it too complicated or frustrating to complete a search that way? 

It seems like that paperwork could get complicated. 

Be prepared with bank statements, leases, and operating agreements.Next StepsTiming: Wait until after January 19, 2025, to refinance and transfer ownership to avoid violating FHA rules.Consult Professionals: Speak with your lender, a tax advisor, and an attorney to confirm the implications of refinancing and transferring title.Prepare Documentation: Have your property appraised, ensure leases are up to date, and organize financial documents for your LLC.You’re on the right track with your plan, and a few strategic steps now can help you maximize the benefits of refinancing while avoiding complications.

In other words, what forms or documents will you use for your purchase agreement, disclosures, reports, statements, and all the other complicated documents that go into a California real estate transaction? 

The process is new to me, but it doesn't seem all that complicated (link below). 

Do not need to over complicate anything :)

For example in my state of PA which is a lien theory state with judicial foreclosure, the sheriff auctions off foreclosure properties to get the lienholder paid.

I used the ever so complicated one called "Google" lol.