After scouring the City of Pismo Beach's painfully vague website, I've noted a few pieces of information which you may find to be helpful.

We got a bit stodgy at Carrot for about 18 months as we had growing pains, but we've worked crazy hard the past 6 months to build up our teams, hire a world-class COO (she started 2 weeks ago and already making a huge impact) and we're going to be innovating more in the next 2 years than we did in the previous 6. 

First the underwriting process was painful and a huge waste of my time.

@Matthew DrouinPeople having 50 different retirement vehicles so when they turn 60, they can travel the world in their wheelchair with back pain and arthritis lol.

Also file a complaint with the CFPB Submit a complaint | Consumer Financial Protection Bureau (consumerfinance.gov)Regarding do you have any legal action - you can prove you do not owe it but you will not get any compensation - courts have ruled long ago the only recourse you have is actual money you lost - there is no "pain and suffering" if a statement is incorrect and you have to fight with them on it.

Richmond has many neighborhoods that have been enjoying revitalization, but not without pain points.

JaimeWhat is your financial pain threshold on this? 

Having extra liquidity will also help as you may run into some growing pains as you begin your journey as a flipper. 

@Noah Bacon Investors should be aware that, in many states, an investor can not act as Owner/Builder on a property that is not their primary residence.But as far as what Investors tend to screw up, the list is long and painful: Structural - Awful framing, undersized headers and beams (or none, Lol)Electrical - Don't even get me started......Plumbing - Not as bad as electrical but still....leave it to the Pros.And the main thing that people screw up is, believe it or not, painting.

To build a product that truly addresses the biggest pain points, your experience and expertise are invaluable in increasing the likelihood of success for this project.How You Can Help:I’d love to hear about your experiences and gather your thoughts on what features would be most beneficial for you.