California is the only state that has essentially put a rent control type of restriction on home owner insurance premiums.

Essentially the lenders will be taking a risk on the property if they overvalue it.

And as far as legal—an attorney becomes essential once you're ready to finalize terms with either an HML or private lender to make sure everything’s secure.Hope this helps!

In 2015, my sister had a business which was essentially her livelihood.

We work on the principle trust, but verify.

This is a cultural heritage endeavor that integrates the principles of time, value creation, and sustainable growth.Much like pension funds hedge risks by leveraging long-term investment horizons, this model uses time as a financial and strategic asset.

Real estate loans are taxed as you pay down the principle, not when you borrow the money.

I too live in Marin, and feel it is a solid long term market for apprecaition, and utilizing the power of principle reduction.When it comes to refinancing, figure out what the loan costs will be, then divide that buy the monthly savings with the new loan in order to determine how long you have to maintain that loan to break even. 

If there are any books, podcasts, or resources you think are essential, please share them!

We also use Rental Guardian and add the charge to each booking so essentially the guest is paying for their own damage insurance.