We of course went to a three day work shop.

Box A is direct lender charges, box B are things the lender is making you get that you cannot shop for (for instance, the appraisal or credit report), and box C is closing costs that you can shop/control- Lenders can move things around between boxes A and B to change the way costs appear.

It might be a good time to shop the coverage with several independent agents

You can start to shop for lenders at anytime.

I also recently found out about Latte and Lease's Out of State Investor Academy's "Cash Flow Coffee" meetup, which I believe can be accessed via her email list or her website: https://www.lattesandleases.com/shop/p/bay-area-meet-up-g9ny...

The further south you go from HWY 160, the longer it takes to get to shopping, jobs, etc.

The beach community may be attractive even if a mile away depending on the micro location, is it walkable, bike paths, coffee shops, restaurants etc.

This is going to make me shop other alternatives since I have not checked the market in a while.I have not had a claim with them but I am concerned there will be issues when I do.Update: Just got feedback from them on their last error.

Its like the investors expect these sponsors who have a bummer to just close up shop..

You may want to shop your competition, and check the market.