Since this house is one I Airbnb part-time and live in part-time it's more painful because I have to experience and see all the issues myself!

I made enough mistakes to cause enough pain so that I crawled into a corner and curled up in the fetal position for 30 years.

Now granted this is rare to the extreme but if your the one losing out its painful.

@Loan NguyenAs someone who grew up in the Bay Area (just north of San Francisco), I feel your pain. 

There should be other options, however with an LLC and fourplex - yes, DSCR is by far most likely to be your best option unless you do the heavy lifting with local banks and credit unions (and these are increasingly not great options for this type of stuff as they move painfully slow and are under lots of regulations and restrictions)2) I haven't yet reached out local banks, but seeing the quotes from brokers makes me wondering if Banks may be better? 

Pokemon, Twerking, and MC Hammer did not disappear in a single day. 

Will it be a painful experience?

Fire this management company and get one that will tell you the truth (even if it's a painful truth).

I feel your pain.

It can be painful to be on the wrong side of their sentiment.As far as LTR...I like the prospects of Sherman/Denison.