At the beginning of Covid  production was shut down and then when it resumed it was assumed that building would fall off but it didn't so supply remains down.

If not any word on when they will resume?

It doesn’t matter how well we screen (and we have a pretty robust process) tenets who live in that class of property by and large just have more challenges financially.

Typically, you just need more skin in the game when starting off, so, 20-30% for first time or newer investors, rates (9-12%+) and fees (2-5 points plus closing costs) will typically be higher as well and after you get a few completed and have the resume, you can start getting better rates and terms. 

I wouldn't hire someone at $130K+ for a resume with X years as a scientist and just 1 year of MBA as relevant work experience. 

We built our house from the ground up, so she uses it as a resume to be able to demonstrate her knowledge of renovations/capability in design.

. - "Buying Deep" - if you can find incredible deals, there may still be opportunity.This can't last forever, I think that as prices come down in 2023, we will begin a path for good old-fashioned real estate investing deals to resume and average cap rates to move closer to a place where they make sense for investors.

Does anyone know of any robust templates for creating pro forma financial statements for real estate businesses?

Im sending out resumes as well as a short video about myself in order to set me apart from other applicants and am starting with Kidder Mathews.

House hacking works amazingly well in the San Diego market and aligns well with your end goal of owning rentals.San Diego has a robust multifamily (2-4 unit investment property) market supported by high rents that can allow for ample cash flow.