We communicate mostly via text msg.

Quote from @Rich Davis: I know there have been posts regarding the ever increasing cost of insurance.  

However, it was not something that we planned on and I did not have any sort of communication prior to with that particular poster planning to highlight their services. good point Joe will have to see if I can see that kind of behavior..

A prudent investor doesn't seek quick riches through shortcuts.

To give you something as a reference based on your budget (30-40% down with $1.8M), the general cap rates you will see in the Bay Area are roughly 3-5% https://www.loopnet.com/Listing/1047-Rich-Ave-Mountain-View-...https://www.loopnet.com/Listing/1180-Saranap-Ave-Walnut-Cree...You will find higher cap rates and more 20+ units buildings in SF, Oakland, and Richmond, but keep in mind of their stringent tenant laws. 

Kind of the mentality of the war torn countries like Angola/DR Congo - where leadership thinks "get them conflicts going and get them blood diamonds making us rich".

Building trust can lead to better negotiations and more opportunities in the long run.Managing seller relationships is about clear communication.

A prudent investor doesn't seek quick riches through shortcuts.

For this situation, communicate very clearly and bluntly with the tenants and try to realign expectations so they don’t do this same with you.

One of my best friends thinks I'm rich and while I may have more than she does, I she was earning more than me for a lot longer (I make more than her now) but she spent her money on $6K vacations.