Knowing the average bP buy and hold investor this type of information would be for advanced investors that deal in the back end of real estate not the front end like most who just want to buy a house for under market rehab refi rent or flip. 

Quote from @Cari Sweet:  This sounds like a case for Fair Housing- Familial Status discrimination. 

Having the tenant be responsible for something like the first $1000 of each maintenance issue, or $500 can be a big help.

Fortegra is non-admitted in California and that's likely causing the issue.

I’d like to start off by house hacking a multi-family unit. 

Quote from @Jonathan Klemm: Sounds like you are no doubt heading in the right direction @Jason B.!  

Since you’re already networking and have some good realtor contacts, focus on narrowing down your investment strategy (like buy-and-hold or house hacking) and target markets with solid cash flow potential.

Get a 50% LTV loan and buy another property just like the one you own. 

It still shocks me how many agents aren't aware of things like the fair notice ordinance.  

I’m Johnny, and I totally get the excitement of connecting with like-minded folks.