To intentionally reduce the leverage more than required is a foreign concept to me especially in the San Diego market.  

Have you guys ever purchased a property without physically seeing it?

If you ever decided to sell the building but keep operating the business, it makes it much easier.

If you ever need any advice on it let me know.  

Lender A misses this or doesn't have this knowledge and then tells you a week before closing that your rate is changing because the program they quoted wont work once the issue is caught. 

Although, I am an advocate of documenting and creating systems, in the first few years all of your systems are going to change many times and so are everyone's roles within the company.

When you have employees promoting the platform like it is the best platform ever and free accounting services, it was going to go down sooner or later.Pretty sure their other services are going to go down shortly.Baselane is offering assistance I believe, but they are just like Azibo.

If you ever need any help with any of your properties lmk.

If I had grasped this concept five years ago, my achievements today would be even greater. 

And don't ever look for the "home run" investment.