They already lost some major players due to the state capping rates https://www.foxbusiness.com/lifestyle/california-insurance-c... will all insurance companies stop coverage, raise rates or reduce what they cover?

If you are simply buying for a lifestyle investment, then you have much more leeway in what/where you might consider buying.

Which leads me to my final point, but not numbered.If I was you, I'd sell this property and 1031 into a non-HOA property that is attractive to own and fits #3 profile-- 1.25 DSCR + healthy reserves.

. - We help with stress and time off.𝗧𝗵𝗲 𝗽𝗹𝗮𝗰𝗲 𝘆𝗼𝘂 𝘄𝗼𝗿𝗸 𝘀𝗵𝗮𝗽𝗲𝘀 𝘆𝗼𝘂𝗿 𝗶𝗱𝗲𝗻𝘁𝗶𝘁𝘆 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝘄𝗲 𝗴𝗶𝘃𝗲 𝗶𝘁 𝗰𝗿𝗲𝗱𝗶𝘁 𝗳𝗼𝗿.When people feel important, they do their best.When teams trust, they do great.When health is important, work gets better.I work for BiggerPockets, a company that truly takes care of me and it's employees, which only pushes me to be true asset.

I specialize in portraits... so, headshots, family portraits, lifestyle and branding content, boudoir, and anything else where humans are photographed. 

Even if a title company were to manage the setup making sure all parties are paid, the cheap debt and cash flow would not be enough to be enticing to any investor even if midterm rental could yield a healthy return. 

Grant Cardone (fraud) Brad sumrok is like lifestyles, I like Joe Fairless his website syndicationschool.com is free and well done enough then you can guide yourself and go network without paying 30-50k to join a BS program

because there are two groups - those who are out buying real estate and doing deals and those who are marketing a lifestyle or dream to get people to pay for something that rarely if ever happens.

Which reminds me that I should mention that I’m not opposed to living a not-so-luxurious lifestyle in the short run.

I'm not rich, but I make a very healthy living and I'm around a 7 figure income.