Also if this property is on septic that also can throw a wrench into the ability to call a space "a bedroom" as septic systems are sized and permitted based on the bedrooms.

@Chris Ke With $200K for a down payment and the ability to invest full-time, consider starting with a 4-plex or multiple single-family homes (SFHs) within a 5-hour drive of Los Angeles in areas like San Bernardino or Riverside.

I think the before vs after pictures really speak primarily to your experience and ability to execute a project so it can help lenders gain comfort with future projects and allow you demonstrate what level of detail you except out of your contractors.

Do you really have the ability to purchase this deal. 2.

Getting to the point of why I am here - It seems I have the ability to open an HSA at any bank that offers them, then do a rollover from Optum for $20.

Or is that actual so you have the ability to add more to the bottom line? 

They will likely have the ability to generate them.Disclaimer: While I’m a licensed attorney, I’m not your attorney.

It seems you and your husband have the ability to make a property more desirable and I would try to stay local for the same reasons you listed. 

There's a big swing here in insurance and tax calculations I see and getting those numbers accurate are critical for your ability to not miss on good deals

Lates on a mortgage trade can impact your ability to get loans in the future.