All PG&E, SDG&E, SCE, and community choice aggregation residential customers — except for California Alternate Rates for Energy, or CARE, and Family Electric Rate Assistance or FERA, customers — will have to pay this tax, and it cannot be reduced or avoided, no matter how little energy a household uses.

Don't know anything about this course or provider, but be very careful with any general courses.   

The biggest tip I can give is to use classes for each property that you have so you can see how each property is performing. 

So be careful there if you are talking about any major renovations!  

Lenders only care that they get paid back.

The only difference is that I care about the finished product and will not argue that it's "good enough" without charging thousands extra to make it right. 

I've absolutely called around, but we felt most comfortable with Zach as he was very responsive and eager to make sure we were well taken care of. 

If you need the interest only payment period to get a property stabilized, that is pretty typical in bridge loans for larger multifamily properties, but that is going into the property with the expectation you are going to be doing some substantial work to increase the cash flows accordingly, versus buying a property that has been relatively well taken care of and good property management in place.

That said, we don't need to be next to family but being somewhat close by has advantages so those places are favored somewhat.The strategy is to buy, househack a value-add multifamily for 2 years then rinse and repeat until we can build up enough capital to either start developing, move to larger multifamily or the wife wants to start a senior care facility. 

In the middle of those two extremes might be a small business with 3 years left on their lease, but they've made improvements to the property that aren't cheap to remove, such as perhaps a dental office (dentists might be pissed that I put them in the mid-risk category, but all the dentists going out of business in 2020-2021 taught us that American consumers apparently regard dental care as an optional and "luxury" spending item).