None of these communities will be changing to residential neighborhoods, although a couple do have residential 'sides' that full time residents live in and can not be rented short term.Two of the big communities that you will have some issues with self managing are Reunion and Margaritaville.

Hey @Patrick Braswell  You shouldn't have any issues getting a DSCR loan as long as you have at least 1 borrower who owns 20 to 25% of the property, or if a couple of you can get to that level combined. 

If I had an answer to my money issue then I would quickly pull the trigger on a good deal. 

Zoning issues?

Investors obviously want their properties rented with no issues but they also want to be in the know and have a good line of communication when things come up.

Will having money fix that issue?

Separate issue is only 13% of CA homeowners pay for earthquake insurance because it's so expensive and the deductible can be really high.What are your re-building costs in your area?

I have some acquaintances that have wrapped DSCR Loans without any issues.

@Tiffani HollisFor a long-term rental, I’d avoid used dishwashers entirely—repair costs and reliability issues often outweigh the savings.

It can be paid off by a refinance, or a sale or cash out of pocket.The other issue is the pending divorce.