So people argue a) whether it is actually required and b) what are the consequences if you do not file. 

If a cash out refinance, many lenders will allow the cash out to satisfy the reserves requirement.DSCR lenders generally let you vest either individually or as an LLC.

You’ll find plenty of friendly, knowledgeable people willing to respond to your posts.

We prefer 600 or better but are willing to work with people under.

I would not get advice on this from people here also realize a LLC in California has some really hefty fees per year so something to consider 

I have taken at least 100 people out to coffee, breakfast, lunch or dinner to let them know what I do.

What do people think about hot tubs in your STR ?

In Arizona, there are a lot of reputable people who do lease options.

Quote from @Devin James: Quote from @Scott Mac: Maybe the infrastructure, electrical grid, water sewer, pavement thickness on the roads, cannot handle the extra people in the area.

If times get financially difficult will people stop eating or will they stop going to the doctor (unless its an emergency)?