I usually hold 15% total for these.

That’s $31,000 more—totally worth a little vacancy!

You absolutely want to be concerned with this.I would just argue what you're concerning yourself with today may be totally different in that 10-20 year period.

We have a few markets we target outside of California, but obviously if you want to stay close to home, Sacramento would be an ideal choice.

If the numbers work at 3.5% down, then obviously an investor putting 20% down is going to snatch it up. 

Total cost/sqft landed me around 30$/sqft or $36,120.

Obviously I don’t have all my LTR just on Apartments.com or Zillow.

. $69k for a 3 unit with gross rents of $2k a month and total expenses of $800 a month which included management and capX.

In conclusion: because Kiavi does not know or does not care about Taylor’s chronic ineptitude; because Kiavi has never bothered to put together an introductory email document to clients explaining the steps, requirements and responsibilities of the refinancing process; and because Kiavi does not bother to fix an obviously broken client portal website, it’s clear that the company does not strongly value customer experience and satisfaction.

Consider this: there are an estimated 10K homes in Pacific Palisades, at least half of which were destroyed. 25% were constructed during the 60-70's and +/- 75 TOTAL were built in the past FIVE years.