.🔹 Insurance Challenges – Even when insurance pays, it rarely covers the actual cost to completely rebuild.

One paid off (worth around 1.4m) student rental.

I upgraded to premium listing on Zillow rentals.

I’m a 41-year-old father of six who loves the Lord and is driven by a desire to build a better future for my family through real estate.I own a small tile installation business, am a certified insurance agent, and am currently in the process of obtaining my real estate license.

If your friends have a rental they should hire a tax professional. 

Simplified ManagementFor those managing multiple properties, AB 2622 streamlines operations by expanding your hiring pool and removing the red tape often associated with minor repairs.Why It Matters for TenantsTenants also benefit from AB 2622:Faster Maintenance: Minor issues like plumbing or lighting can now be resolved promptly.Fairer Move-Out Costs: Affordable repairs mean tenants aren’t hit with inflated charges for damage beyond normal wear and tear.Things to Keep in MindWhile AB 2622 makes maintenance easier, landlords should still vet unlicensed workers carefully, ensure proper insurance coverage, and remember that jobs requiring permits must involve licensed contractors.AB 2622: A Win-Win for California’s Rental MarketAB 2622 strikes a balance between flexibility and accountability, making it easier for landlords to maintain high-quality rentals while fostering better tenant relationships.

I think your biggest issue with any "work-arounds" is going to be your legal liability and holding the proper insurance in case something goes wrong, which I'm going to assume you'd need to be properly licensed in order to be properly covered by insurance.

Mortgage PITI would be around 5300/m total w insurance, seller financing is around 3600/m w principal, 3100/m with just interest.

Not all designers understand vacation rentals.

(You know you’re on the right track and you insure future leases end between March and July by varying the length of the new lease.)Good luck.