To make it in today's world, you need to accept modern times.Do not quit any W-2 job until you make enough on the side to pay all your bills each month. 

Modern communities with better balance, access to space, and without sacrificing technologies and connectivity? 

He hands me an envelope with $2500 cash with a "thanks for the great work again".I got invited to his personal condo house warming after he did a full "modern" renovation, and received glowing recommendations from him. 

This combo looks modern and the contrast Really makes the white pop

My places are from the mid century modern era and the 1960's has a strong retro appeal.

The property now listed for $152,000 it last sold for $2 and before that for $24,000new owners modernized it and found out that there are 1 1/2 additional bathrooms.

It’s already as modern as it gets, it can’t appreciate that much from $20 million, and how is going to rent out a mansion for $100,000 when you can buy a condo for that price?

Also, furnishing a traditional adobe style house with modern looking IKEA furniture would probably feel odd and would take all the charm out of the house.

Chad,Two companies that I believe might write the 4 family in CA would be:1  Foremost Insurance2  American Modern InsuranceCheck their websites and you should be able to locate an agent who represents them. 

The valuation is most likely going to be Actual Cash Value (ACV) which is the depreciated value.Two companies that may consider it are Foremost and American Modern Home.