People will want the convenience of being able to walk to the beach with all their stuff vs. having to find a parking spot in the limited public parking areas. 

Yeah, I would just do non renewals after 11 or 12 years. 

The reason its a 6 month rate lock and extension is because it is a brand new built (started construction Jan) and bank still should not charge me 2 times for the rate lock, if they don't give me any waiver of atleast 2k, i guess i am going to cancel this deal even if i loose the $1792 (non-refundable = 1300 for initial rate lock and 492 appraisal) money with this bank. 

A good time to purchase a foreclosure is during the pre-foreclusure phase since the competition may be lower around this time and the purchase price you negotiate may also be lower than when it goes public.

"Recession-durable RE investing for non-accredited investors" How do you defend against recessions, without sacrificing ambition? 

Could be $5000 or $80,000 fix.This is a hot market with multiple offers on any revenue properties, but we made our findings on this one public, and it has remained on the market for 2 additional months now. 

The HUD data is easy to find on their FY2018 Fair Market Rents Documentation System and the North Carolina Department of Commerce annual ranking is here: https://www.nccommerce.com/research-publications/incentive-reports/county-tier-designationsI had an interesting PM with @Adam Schneider  about the local (Raleigh) market where we both have investments.

PenFed does 80% on non owner occupied HELOCs.

@Donna Matessa Use stuff available to the public... check Craigslist rentals, Facebook rentals in the area and Zillow.

Our tax rates are high, and (particularly with the new tax law) there is a lot of non-conformity with federal tax rules  Therefore, even if you do not go with a California CPA you will probably want to go with someone who is very familiar with California tax laws.