Your state laws are different than the equivalent laws in any other state.

Also, most people like to be on first floor hence why rent is always higher for first floor in equivalent units.

Definitely not all of my earthly savings; I’d be keeping a decent amount in reserves in case I have a really bad day (equivalent to about 10 mortgage payments). 

Sacramento for equivalent square footage (say a 800sqft condo).

(C)Delegation by head of agency or departmentFor purposes of subparagraphs (A) and (B), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.

but for owning a property and only make $20 after everything is calculated - was that $20 really worth your time - even if you put in only 4hrs that month - that's equivalent to make $5/hr.I look for 8%+ CoC. 

Credit card companies can pull 20-40% apr regularly from wage slaving consumer over spenders.If a platform can introduce 10% apr loans, plenty of room to grow.Yes there's always the bank, just that they mostly lend to ppl who doesn't need loans.Anyways, I don't understand why investors would do hard money with 20% apr equivalent after points when 10-12% apr is available via p2p loans.

What equivalent vehicle exists for rentals?

Basically I would receive the deed for cash equivalent to half of the current market value (to pay off what's left of the existing mortgage and what's left over). 

Unless the property is really special (boutique hotel experience) I would think MTR or STR rents are not going to be as high as for an equivalent SF property because you lose the upside of the privacy and gain the downside of shared walls, noisy neighbors and everything else that goes along with multi-family.