With that in mind, you should have a decade or more perspective when you buy.

They are prompt, proactive and understand property management from an investment perspective.  

No shot this becomes a warrantable condo from a lender's perspective.

The agents are charged for this service no matter what so it's difficult for the agent to service from a time and financial perspective.

From an investment perspective, I'd look to invest in small multi-family 2-4 units with a larger down payment ~50% or more (only way to produce positive cash flow here at the moment) Investing in San Diego right now isn't driven by immediate cash flow.

Sounds like, from your perspective, this type loan would not be best for my situation. 

I am also looking for tax optimization as the business will require cash reserves and is a high risk business from a liability perspective.

I'd be happy to share my experiences from both perspectives.

@Michael S. great to hear the local perspective! 

I think it puts the increase into perspective and I get no pushback or arguments from my tenants.