Most of those lines of credit start with 12-18 months of 0% APR, and the idea is that you can just apply for new cards once that introductory period is up. 

>have a single family rental in Merced, CA that I believe has a slow appreciation: bought for $170k in 2005 & its now worth about $400k.Because that period includes the Great Recession, that is a very good appreciation rate and better than San Diego had over the same period.3% loan is tough to beat as is a property tax that is ~50% of what it would be if you purchased today.  

Transfer on death deeds are not widely used, and in fact, the last that I had heard, were only recently extended in terms of availability in California. 

People will mention you can make it a rental for a short period and then still sell but… Why do that?

Also some of these condos have an owner occupancy for 1 year rule, meaning you can't rent it out - period - for at least one year.

Those relationships do not extend to the customer .

The article has some great graphs that are informative as they illustrate the housing price trends of 7 major metropolitan areas in the US, including the San Francisco Bay Area over a 20+ year period.

We are seeing more vacancies, for longer periods of time, and for lower rents.Personally, I am very bullish on the Cape Coral market because the prices are lower than they have been in 3 -4 years.

After the redemption period expired I quieted title against everyone including the SBA, so I owned the house free and clear.

This is the problem with taking payment for the last month when a lease can extend indefinitely.This arrangement is illegal in PA due to a court decision 10+ years ago.