Banks woon't lend when the percentage of rentals gets over their limit, so appraisals will include the % of OO homes in the area.I assume that it is merely checking to see where the tax bill goes.

One merely needs to learn how to tap in.Two Shoe Salesmen were flown to a foreign country to develope a new market and revenue stream.

One agent I spoke with recommended 400 dollars a sq. ft. and cited recent large  fires where many policy holders were underinsured with the rising costs of materials/inflation.  

As long as you have the fire to make your own business happen, this will be merely a means to that end.

If the roles were reversed and you paid your creditors first and then didn't have enough money to pay yourself It is likely that one might shrug their shoulders and merely hope for the best next pay period.This concept directly relates to your current decision. 

I stood on my own two feet since 18, paid my own way and bought the houses with 100% of my own money that I saved from a high income career I had built.Fast forward 7 years later, a slovenly, low income guy at my company just inherited enough money to buy a hand full of houses from his wife's family...It really is amazing how just mere luck can catapult some people...Mind you he is still nowhere near my net worth, but still, it stings a little to see someone just get a huge leg up by chance...

In my very uneducated opinion, based merely on the lessons I have received in the streets and I must disclose that I watch/read zero news and don't own a TV, this isn't a buy and hold market in SoCal.

Not merely claim I said it here where no one can verify it's basis. 

So you aren't here looking for advice but merely looking to promote your listing?

Most servicers will limit correspondence to mere account statements so as not to cross the line of the injunction.