In CA  STRs are at risk of having anti STR regulations imposed.  

No utils (in tenant name) and anti maintenance cost covered by my other conservative ests above 

My wife feels bad about the machine, so I am here making sure that I am not a heartless, anti-social slumlord (hyperbole intended).

Kind of like shark investors whose tactics resulted in these "anti-predatory" laws that don't stop the predators, but does make everyone else's activities become "suspect".

So overall he didn't seem to be ignorant about investing in generally and certainly not anti-investor.However, and going back to the original question about HML, when I explained to him what a hard money loan is and how it works he didn't follow up with any comments that led me to believe his apparent ignorance was do to terminology.Anyway, I have since talked to my father and he pointed me to the agency he used in this area back in the late 80's and early 90's.

FHA Anti Flipping Regulation Waiver has been in effect for a number of years.

I know that BP is VERY anti "guru," and pretty negative about paying anybody for anything, so I guess I better say what its done for me.

Do not invest in locations with anti-landlord regulations.Low operating costs are crucial for maximizing cash flow.

VT is also a somewhat anti-lawsuit state, you slip and fall on the snow outside your property, well..it's VT. 

Its in Seattle,  which is very anti landlord and only getting worse.