We'd have to cash-flow $1,300/mo over that period to make that much, which isn't happening.This is all to say that if you are in a market that has good long-term appreciation potential, then whatever rental model you choose is simply a way to make a little money while you hold the property for larger long-term gains.I'll let others chime in on your specific area.

Most people that scale also choose one strategy to start with and scale in.

Our end goal is to be in a position where we can be very selective and choose the clients and properties we work with so that doesn't happen.

We've all been there.Even if it changes 15 minutes after you say it, when asked, choose a reason you're there.

IF the lender does find out the lender can choose what course of action to take.  

Rent control in the bay area can be extreme as many areas have rent control in excess of the state mandated rent controlIn general experience RE investors are not choosing to add a single ADU in single family zoned areas.  

If you choose to purchase from a turnkey provider or build your own team, don't be swayed into cheaper areas.  

 @Raif Jochim without knowing details of each loan, I would almost always choose the primary home.

If you decide to exit real estate entirely, just make sure whatever investment path you choose aligns with your goals and risk tolerance.

When choosing a location for your first rental, it’s great that you’re considering factors like crime rate, population growth, employment rate, and price-to-rent ratio—those are all key metrics.