I recently changed dwelling policies to State Farm and they include “Roof Surf Loss Settlement - ACV” in the forms, options, and endorsements section.

Often, people like me surf several different jobs/careers, only to find themselves in their thirties without a vocation--something they can find truly fulfilling as well as profitable.

I would NOT buy a place with structural issues for my first deal (that's like trying to surf a 50 foot wave before you know how to swim!). 

I will take these lessons into consideration as I surf along.

This is the real world and I hope the kind of newbies who surf from trend to trend believing REI is just another easy get rich quick gig, they will study real world scenarios like this. 

I currently have the one rental property in Wilmington and live in my primary which is in Surf City. 

Quote from @John Underwood: This could be ugly for people who own STR's in Hawaii.https://www.sfgate.com/hawaii/article/hawaii-short-term-rental-vacation-bill-19382321.php Once we have our own property with maintenance paid by HOA and location is 4 meters from surfing spot and mortgage is paid by airbnb renter , all financial metrics no longer apply lol

When you are 50 , try to get HRT , suddenly it's 24 years old again :-) Back to surfing, MTB,soccer when we're living for free from tenant's cash flow is truly a blessing.

Definitely.Trying to go OOS for your first REI deal is a bit like trying to surf a monster 100 foot wave before you've learned to swim, or trying to ski a double black diamond for your very first run. 

Of course they are surfing close to the edge of bankruptcy so....