Even promised ROI seems difficult to achieve.

I have access to contractors, lenders, and have a very strong balance sheet, so just need to find the right deal and get access to comps.

AB 968 will make it more difficult for first-time investors to "flip" our quickly "house hack" homes since anything resold within 18 months.

That's okay...in many ways, the fact that it is difficult that makes it worthwhile and great.

The notes, being in default had an unpaid balance of $3.2million.  

Additionally, I mentioned that I had sent them a small holiday gift card as a token of appreciation (which I send to all of my tenants) and wished their family a peaceful and warm holiday season.Your insights helped me craft a response that balanced kindness with maintaining boundaries, and I truly appreciate it.

Congrats on your success so far.Some random thoughts for you:- It might be difficult to tap the equity in the rental at this time given the current state of interest rates. 

Sometimes, mixing family and business can be difficult, but I am happy you all are thriving.

These can make crunching numbers a bit more difficult because due to the guessing game. 

For practitioners in the real estate industry, the biggest challenge is not just the difficult work, high risks, or immense pressure, but the necessity to learn to let go of complete control over outcomes.