We rented the other side out and that almost paid the mortgage (it would fully cover it now since rents have gone up).

I'm not a huge fan of that deal since rents in that area are about 1500 for a 2 bed 1 bath and that's if you aren't even living in it. check rentometer for comps (I live/rent a duplex near you closer to Seattle though) If there is enough value add potential you could be ok but even then I don't see any cash flow.

@Jay HinrichsI sincerely appreciate your detailed response.  

I had high hopes when I first started out in real estate, but have since realized that I'm a buy and hold investor and that these 'deals' weren't deals at all for my goals. 

Sincerely Josh 

Sincerely Patryk Skoczen 

Sincerely,Kera Covani

I don't really worry about the rate like that since rates are only fixed for 5 years for me.  

We both agreed that in general if clients have concerns it is best to just call to resolve it with us directly and we'll resolve it because we sincerely care about our clients, but we also don't want our hard earned reputation being tarnished over simple things that can be resolved on a brief phone call without going to the internet.

I also sincerely think California is one of the worst place to do business in America, like taxes,etc7.