@Jacob Joseph recommend spending your money on marketing to your warm network, educating them on what you're looking for and expanding it versus pursuing strangers.

That's a lot to ask of a complete stranger!

(Since they will actually be in a worse position then than not selling.) they should ask for 30% or more down, which will give them 20%. 10% of that might be required to sell again. 2) if you can earn 5% or more guaranteed in the bank, what would you require from a stranger where it will cost you 10% to take back the loan and resell to get your money back?

It took you an entire year to learn the funds were held, so I'm guessing you're not on top of your paperwork, either.No offense, but why didn't you go straight to your PM with this question instead of asking a bunch of strangers? 

Anything less than market is like you giving strangers a cash gift every month.

I'm renting out my Bay Area SFH to family members but if I were renting to strangers I would most likely use an experienced PM company. 

🌏Laura and I had a similar "stranger in a strange land" journey when we left Silicon Valley for South Carolina - 2,800 miles across America.

Looks like you are no stranger when it comes to investing.

Build experience and track record before even thinking of asking your friends or family (or please no, strangers) for money.

Maybe be inspired by them next time.As an epilogue to all this, I ended up contacting my parents and telling them that I asked strangers on the internet for advice, and it turns out I really misunderstood depreciation.