In a buyers market I think it will be the opposite .

I think off the top of my head it was around a 6-7% rate. 

I think the idea of an STR/MTR hybrid is great!

Long story short, they recommend a process that basically looks like...Soil scientist --> (septic engineer IF needed) --> site plan --> county approval...We've spoken to a few soil scientists and they all quote 2k-5k to analyze the property for an appropriately sized septic system. 

I'm just starting out and thinking of investing in the central valley as I travel there often (primarily Fresno/Bakersfield).

I have played with AirDNA and heard of Pricelabs, but how accurate are these sites with their estimates?

I know it’s the nature of the business, but now with overall cash flow cut in half I am thinking maybe just sell it.  

You should join local area Facebook and Meetup sites. 

How well do you THINK you read people or how good are you at judging character?

Insurance payout rates are, by law, very rich, and pay significantly more than you would probably pay under normal circumstances.Before you hire the roofer, I'd ask if they think they can cover your deductible.