Have things like POD (payable on death) for any separate bank accounts and of course, have our Wills, Health Directives, ect written out.We fail to see how legal marriage would benefit us.

Perhaps it contains contact info so you can phone an agency to ask.http://www.dca.ca.gov/publications/landlordbook/ca...I know links are discouraged but because this website is a government one, hopefully the mods will let it stay.

You will find resources here from blogs to pod casts and forums.

I use them with a few mods and they work great. 

If you are questioning my statement, I am more than happy to provide evidence as I have many times during my decade here on BP and my time as a Mod on this site.

For this first loan mod, did you require her to make a down payment?  

In dozens and dozens of calls I have with people interested in my approach they also tell me that living in an expensive area makes it even harder to save anything.I agree that there is a lid for each pod.

@Josiah Mosley I'm not sure if you have started listening to the Pod casts yet - but they are a wealth of information.  

Generally, I think the boost for MTRs is most markets is not 3x to 4x and is likely closer to 2x (or less) So how in pod cast everyone say x3 and x4 Bills another $400-500 monthly with WiFi if my PITI is $2500so it’s $3000-$3100 So if I get on this house $4500-5000 It’s $2000 monthly cash flow ?

I am sure the mods will reach out to you and explain the rules of the road here on BP..