is that like ordering off the secret menu at In and Out  burger. 

Should still be reasonable for less than optimal health.

Peoples needs and motivations vary a great deal, and, while very broad generalities may be valid, it is not reasonable to assume that the criteria for buying a home, renting a home, buying a car, and obtaining a credit card can all be optimally based on the same three digit number.

Go to your GV webpage (not app), click the "three vertical dots", scroll down in the menu and select "Legacy Google Voice".2.

Share prices today do have a lot of optimism built in and that optimism could disappear soon.

STR management is a business that to be actually good and optimized requires a lot of skill and time.

I want one ;-)I can't make a direct recommendation since I'm not from your area, but I'm sure someone on the forum can.You could check out LegalZoom, DocuSign or even  the file place here on Bigger Pockets.It also helps to build up a variety of team players for your future endeavors by checking out the company page in the menu above to hook up with a few professionals in the area you need team support in.

Makes sense for them to optimize their profit.

Optimally if i can i would like to refinance my residence into a 15 year fixed and turn it into a rental and then purchase my primary residence.  

At this time any optimism on Richmond (or east Oakland or Stockton) is pegged to the continued expansion of the tech industry, rapid creation of new tech jobs, double digit growth in home prices in central and desired areas.