@TJ QuinataRegarding taking a 401k loan: You would have to confirm that your 401k plan allows for a 401k participant loan (and that you have not had an outstanding loan in the last 12 months).If yes, you can borrow up to 50% of the balance not to exceed $50,000.The repayment terms are equal monthly/quarterly payments (as you prefer) of principal and interest (e.g. prime + 1%) spread over a 5 year term (or longer if you will use the loan to purchase your primary residence).

@Brian Gerlach I hear you on the location factor...My thought was to use the rental income to payback the HELOC, if I paid cash then the only loan outstanding is the HELOC.

The outstanding loan balance is only ~10% of the value of the house. 

This deed transfers ownership without regard to outstanding liens other than what an attorney would call the 'instant case' (the law suit and legal action enabling the Commissioner's deed itself), so hopefully you had a paralegal look over your work if you couldn't or don't know how to research the chain of title. 

In a section called "Current Financial Obligations," it lists that loan number as their only outstanding debt, to be paid off with the new loan.  

I now call three days before they move out to make sure that they have given the city a forwarding address,  and five days after to find out if there is an outstanding bill.  

I had two outstanding credit cards totalling $6000, that had been sent off to collection agencies for years. 

The repayment terms for a 401k participant loan are equal monthly/quarterly payments of principal and interest (typically prime plus 1%) over a 5-year term (longer if used to acquire your principal residence).Please note that if you take a full $50,000 and then pay back the loan, you can't take another $50,000 until 12 months after the first loan was fully paid back.Per the loan offset rules that went into effect with the 2018 Tax and Job Act: if you leave your job and the loan is current at the time you leave your job but then the loan goes into default because you left your job, you will have until your tax return deadline (including any timely filed extension) to make the loan current by depositing the outstanding balance into an IRA (and thereby avoid the taxes and penalties that would otherwise apply).Solo 401k vs.

I am still waiting for rent history and if there's any outstanding inspections etc. 

It would be the RE that is in need of TLC or full rehab and the competition for these is significant.Historically, no matter which of the San Diego RE you purchase for buy n hold, including the cash flow negative RE, the return has been outstanding.