But if they can get the money and the tenant is a favored customer (or very pushy and persistent) at his bank (the RFDI) they can pull back two years worth of payments.https://www.nacha.org/news/new-rule-defines-time-limit-claim...

Prior to jumping ship you should look into what you paid for your California properties, what they are worth today and calculate your monthly income from appreciation.

The fact that you increased the income from $2,225 to $4,041 is great and I would think should contribute to a higher valuation, but that depends on many other factors.* Since you didn't significantly change the condition or quality of the property, any increase in value would be due to either you paying under market value originally, or appreciation due to buyers paying more for similar properties in the area.

It is not worth it to get the reputation of taking loans and not paying them back. 1.

I'd then repeat this process every 12-18 months until I had a reason to stop.Concurrently I'd be trying to increase my W-2, or 1099, income as much as possible, as soon as possible.

Get a feel for what these properties are worth.

You increase the size of the work if you like the results or find someone else if they do a poor job. 

These assessments aren't just disappearing into thin air, they will be used for maintenance that will help stabilize/increase the value of her property.Your SFH requires maintenance and you should have reserves for that.

So if you’re not potentially willing to hold onto it as a rental longer term (beyond 5 years), I think the risk is at least worth calculating.

The financial net worth of residents who own a home is much higher than those who do not.