These factors contribute to long-term stability and growth potential for real estate investments. 

I don't use padsplit (weekly rentals); I rent on long-term leases in B Class neighborhoods.

Cash flow is difficult here in California, and so I'm looking for opportunities that have strong appreciation and long-term growth opportunities with strong tenant bases to complement my long-term investment strategy.I appreciate any insight and stories.

Or do you already have a property and looking to refinance into a long term loan?

This would be for long term holding.

@Martin Zitzelberger couple thoughts:Not sure how long you've lived there, but most humans adapt to the environments very well.

Having a backup plan, such as a HELOC or alternative financing options, could provide added flexibility.With loans spread across 19 single-family homes, consolidating into a portfolio loan might simplify management and offer greater long-term stability.

I've asked for the loan details so I can see the terms and fine print of the loan myself and am doing extensive research, but would love info from the community.

I'll be 45 next month.option A) Kiyosaki Model: Don't sell and run either long term or short term rentals through it for a year to show income on the property than pull a $300k mortgage on it to build another house in the same neighborhood... repeatoption B)  Ramsey Model, Sell it for $600k.

I intend to get a single family residence, add an ADU, live myself in the residence and rent out the ADU as a studio apartment long term.I have checked my city's ADU laws and long term renting is permitted.Question : can I obtain the REP status while maintaining the ADU while it is in my primary residence?