Consequently, our company began attracting a greater number of potential customers.When it comes to market selection, making wise choices is crucial.

Some would argue in support of a neighborhood in close proximity to downtown Sacramento such as the homes off of Lighthouse Dr, others would want to attract families with elementary school children who prefer homes in Bridgeway Lakes near Bridgeway Island Elementary School due to it's higher Great Schools rating vs.

OR you can take a smaller loan and leave more money in the deal to increase your cash flow due to the lower mortgage payment.How do you guys navigate this?

Having one unit vacant or coming to a lease end date is a great way to attract more buyer to your listing.  

Assuming 5% increase in appreciation each year which isn't unrealistic over 10 years it's a $275k gain in equity which is certainly a very solid upside.

I want to protect myself and my family from an increased mortgage through refinancing later.

We also increased curb appeal with landscaping (there was ZERO), a ledge-pack driveway, and a fire pit area.

While it would impact some business plans more than others,  its probably possible to function with 5-10% a year rent increases allowed and vacancy decontrol,   but if we get the more extreme variety like what the far left wants  (inflation or less for increases,   no vacancy decontrol,  etc)  it will be bad.    

However, the estimated value of my new construction, complete with a pool and ADU, is at least $1.35 million.Capitalizing on this increased property value, I approach the bank for a cash-out refinance.

I know it's talked about all the time, but I recommend people leave their equity and focus on increasing income, cutting expenses, and saving for the next investment.