This business is a business of synergy and working together we can all accomplish dramatically more than we can alone. 

No annual fee.I was shopping for another HELOC on a primary residence in 2013 but the landscape had changed dramatically.

My life and the life of my girlfriend has changed dramatically.

All of my investor friends and family tell me the quality of tenant is dramatically different and I should not pursue the deal.

That makes sense Steve, but it would have to be one heck of a disaster to dramatically affect me that far away.My other point was simply that anyone can compete in the CA market regarding flips.I just landed yet another deal yesterday that should net me $200k in profit not bad for only a 6 week rehab and likely a total of a 4 month hold.

This will reduce your monthly payment dramatically.

I'm holding some high personal debt (25k) which has lowered my credit score dramatically, I could pay most of, but then I'd have no cash left.  

That can bring the cost down on a second policy dramatically and make the small extra cost insignificant compared to the missed municipal compliance fine or mechanics lien.  

Here is another question--will the lease amount increase dramatically?

For a dramatization of what happens when families get evicted, like post 2008 bubble, check out the movie 99 Homes, just got released on DVD.