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.

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.

Unless these were just a brief growing pain and you are now running a very profitable business in REI.

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.

JaimeWhat is your financial pain threshold on this? 

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

You may not like the tough love approach, but "pain" is the biggest motivator.

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.