Not once in the last 16 years. check out the stats for San Diego.By the way I believe you can succeed in both markets (high cash flow/low appreciation & low cash flow/high appreciation) but best odds are if you are intimate with the market.  

I would shop around, maybe the LO you're dealing with is inexperienced and is mis communicating or they may just have odd lending practices?  

That sounds odd/off to me. 

The odds of you ever being sued for more than your basic insurance will cover is about the same as being struck by lightning.

It seems odd to do that for a 3-month stay but not sure.

To me, I found it odd they would use a name so close to an already established company, or brand.

which i think is odd. 

I dont really know what they do I yeah, it's just odd they both dropped off around the same time. i guess pods/YT pay more than trying to catch fish on here.

Something odd happened in your situation.

Odds are we are not looking for the same deal.