He recommended...And this phrase is the root of the problem.

. :)Your question is phrased in a way that you probably did not mean.

Your key phrase is "Responsible RE investor." 

A phrase I like to think about is "The time will pass regardless.." because it reminds me that the goals that I set for myself that seem far in the future will come in time no mater what. 

(Hint: Follow Walmart - their customers tend to be your tenants)Conservative Underwriting - Leaving some "cookies in the closet" is a phrase my partner refers to when we are underwriting parks. 

I know the old phrase high-risk high reward, but being cautious is also a good way to not lose money. 

recently purchased a 4plex in HB, Ca.We are on state farm insurance and everything is fine, decided to shop around and noticed that USAA is lower with similar level/amounts.USAA however required that all tenants i forget the exact phrasing but something like "tenants for at least 6months"Now i said that my tenants have been there for over 10 years, and are technically on month to month now.

But I would be circumspect about how I requested the records (need them for personal research project), how the information appeared when disseminated (all indications that it came from the State would be removed), and how I phrased my interactions with property owner's who were identified through use of public records (I'd never mention that the owner's identity or address was obtained from the State or County, only that obtained the information legally at considerable cost).

I am an introvert (despite the rumors to the contrary) and this is not my preferred method of meeting people.When they do approach me about getting together, I probably feel a little better if they phrase it as, "I want to know more about what kinds of clients I should refer to you" and of course we'd also discuss what their specialty and areas of expertise are and clients would be good referrals for them at that meeting as well.

I suppose another way of phrasing the question is wherher I should keep 1 property with a 9% return or sell it/re-fi and use the cash as down payments for two new properties that may not have as good of a return.