It felt like everyone I found were self-serving, looking to line their own pockets, or not willing guide because of fear of competition.

If I can be of any assistance, feel free to connect.

Let me know if you need any assistance with resources!

ThanksSuhaib I'd suggest finding a broker, they have alot of knowledge and have your best interests as a goal, insurance agents have their employers best interests as a goal.Insurance in CA will continue to increase, its lagging in inflation and all the fires are affecting it.Many homeowners are moving to self insured.The fair plan is asking for 1 billion in subsidies, purported to be funded by the carriers themselves, I have no doubt Ricardo Lara will make this happen.

No management costs as it would be self managed, and estimated property taxes by the average of the past few years.

I am a big proponent of self GCing new construction investments, as long as it is done correctly.

Could I request the same assistance as Deborah?

Mainly the "self sufficiency test". 

Instead, roll the funds into an IRA or Self-Directed IRA (SDIRA) to keep them tax-deferred and open up flexible investment options, including real estate.

And don’t sleep on local banks or credit unions—they sometimes offer flexible portfolio loans that could work for a deal like this.Since your wife qualifies as a first-time homebuyer, check out any state-specific programs or HUD options for down payment assistance.