I am just thinking ahead, just in case, but wanted to get input on what options I could have with current tenants in a lease that might not expire for close to 1-2 years from now in the event I "needed" to sell a house or two, either for a better cash position for myself, or to 1031 into a larger investment property, etc.?  

In my 18+ years as a Banker I have seen over 90% of my CA investors either move or continue to buy outside of the state.States like FL, IN, OH, TN, TX, AZ, NV all offer great LTR and STR options to capture a solid cash flowing property under $300K.

Note owner occupied does not have vacancy, unit turnover costs, and typically has lower maintenance and cap ex costs.

Ps if I see you that you allow a second streaming podcasting option /Beside Apple I will sign up immediately to the Pro account.

If the new builds are larger and you do not need to do any work, that would be the option I'd choose personally. 

I still need to speak with a lender to understand my loan options.

Typically I work with investors who have a well thought out strategy but sometimes lack information about the Rochester market.

How do you typically gain trust?

They typically have order taker LO's without a lot of experience and they have generally are not going to have much product that is outside the box at all.

The process is seamless compared to typical government loans.