@Roger CreekmoreMini splits sound like the best option from the cheap seats. 

their max quote period is 30 days so seems the quote was from Jan 13.It is not cheap, but the risk it high. 

Renters insurance is so cheap because it is not connected to the property and the landlord after all, right? 

Ok, not completely closed; they allow you to push data in, but then your stuck to see and manipulate in a very limited way.For me this is a deal breaker because if you can't quickly and easily check on the health of your business, you are wasting time and stifling your growth. 

I deal with a number of CA investors that take this same approach. 

Of course this may not be cheap, but it’s very effective.

Am I allowed to post a deal here that people can help me analyze?

Very difficult area to be a landlord.Tenant base is lifer tenants. very tough on the housestheft is rampant you leave a home vacant for more than a few days and you HVAC AC unit will take a walkKids break in and trash them.YAZOO Clay screws up the foundations big time.And lastly with those homes they were built so cheap in many instances they are just functionally obsolete and take way more maintenance than other areas of the country.

Deal stats are below. - My wife and I are 33 living in SF with $250k in cash & $250k in other equities. - $6k/ month is our freedom number from a W2- Buy & Hold MFH is our plan (turnkey with PM in place)- This quad was built in 2024 and we're able to secure a 3.75% 10 year rateHow's this deal looking or would it make more sense to go another route?

Congrats on the first deal!