Most lenders will vary how aggressive they will get based on the experience of the operator (you), but I don't know any that will lender to someone who's never done a spec build like you're contemplating.

I operate 14 properties from the same checking account.

"Soon" is the operative word! 

My job is to thoroughly vet the operator, analyze the market and analyze the deal - then I send the wire and my job is done. 

No lending institution or bank would be permitted to operate with those ratios.

I added a pool and did some landscaping and have been using it as a family winter retreat and renting it to a STR operator the rest of the year.

It has been operating for 2 months now.

As Charlie Monger once said: our operating assumption is that the USD is going towards zero. 

I've gotten good results from Ninja Skip Tracing and Skip Matrix for my cold calling operation.

Simplified ManagementFor those managing multiple properties, AB 2622 streamlines operations by expanding your hiring pool and removing the red tape often associated with minor repairs.Why It Matters for TenantsTenants also benefit from AB 2622:Faster Maintenance: Minor issues like plumbing or lighting can now be resolved promptly.Fairer Move-Out Costs: Affordable repairs mean tenants aren’t hit with inflated charges for damage beyond normal wear and tear.Things to Keep in MindWhile AB 2622 makes maintenance easier, landlords should still vet unlicensed workers carefully, ensure proper insurance coverage, and remember that jobs requiring permits must involve licensed contractors.AB 2622: A Win-Win for California’s Rental MarketAB 2622 strikes a balance between flexibility and accountability, making it easier for landlords to maintain high-quality rentals while fostering better tenant relationships.