Hi,I am looking to buy a 3 bed single family house with decent schools in San Diego.

It's only natural to pass these costs on to the consumer, it's the same thing with almost every other product you buy.

I need all new appliances (Fridge, Microwave, Dishwasher, Sink, oven/range)I also need flooring (Tearing out carpet ..yes it's everywhere...yuck)Will also need to repaint and buy new LED lights for my fixtures. 

There is money to be made buying from wholesalers, there is money to be made buying at retail off the MLS.

Investment Info:Small multi-family (2-4 units) buy & hold investment.

Is there possibility to buy a lot and have it rezone to allow rv/boat storage?

I'm considering lease with a 5 yr or 10 yr contract with a option to buy.

Thanks  You could try and find someone to buy a partial from that loan or as you mention hypothecate it but that is going to be challenging.

Investment Info:Single-family residence buy & hold investment.

According to the article in 2015 consumers lost ~$9 million from this fraud vs nearly half a billion dollars in 2022.A Silicon Valley executive had $400,000 stolen by cybercriminals while buying a home.