I also appreciate the kind words more than they'll ever know.... especially after reading your post.I've been accused of a lot in my life, but NOT CARING has never been one of them.

For now, I'm a cash flow investor first and an appreciation investor a distant second. 

(We were planning to move back to our rental and rent our primary due to higher rents so started to rehab the primary then found out insurance would not insure us due to the high fire risks if we changed so ended up rehabbing both houses and burned the savings).Our dilema is we don’t want to sell either of our current houses due to excellent locations and appreciation potential but want to progress with more rentals.

Hello DaivertWhat's the primary reason for investing in Montgomery: Good Rent/price ratios and also appreciation?

If there is anyone with experience in the area with any input for me on how an ADU will affect the property's value and ability to sell that be appreciated!

California has strong appreciation and you can cash flow pretty well too.

long term appreciation and value add potential How did you finance this deal?

I would greatly appreciate responses and some directions.

, Highly appreciated!

Although we do have CA Fair Plan fire insurance on it.Any guidance would be much appreciated.