@Michael DartenMichael,Let me know who choose and how it works out, I wouldn’t mind having a backup.

Now those backups are my primary banks and we have built great relationships.

No matter how you do it have a back up plan in the event the mortgage company call the loan due.    

Root intrusion is rare with plastic pipe because that means a crack that's going to admit soil as well and eventually bust completely, so if you have roots in PVC you might as well plan to excavate.

@Jorge Lopez looks like it’s back up again.

That may not apply to you, as a financial professional, but I thought I would share the story.Obiously you could re-lever your portfolio to bring the ROE back up, but then you have to place those borrowed funds somewhere that nets a high enough return that the portfolio is ahead, given the drag of the interest and any transaction fees.    

With a backup plan, and proper (extensive) legal docs, much of the risk can be mitigated.

Now that people are starting to socialize again and this city is opening back up soon, I would imagine that many renters and visitors will be coming back to SF in the next year or two.

Sewer line backup, ordinance & law, and replacement cost coverage are coverages I include. 

You want access to the coach you want, not some backup.