This amounts to lost opportunity because if you had purchased RE, at the closing it can start producing return. 5) ADUs detract from the existing structure whether this is privacy, a garage, or just yard space. 6) this is related to number 1, but there are many more buyers looking to purchase homes for their family than there are RE investors looking to purchase small unit count properties.

I wouldn't go negative unless i was so confident I could take on that amount like maybe 50-100$ a month.

If I can make a suggestion...Yes with 3 points you might be able to get into the 6's - but let me give a quick example:Let's say loan amount is $250k and making some other assumptions, paying 3 points down would cost $7,500 however that might only save $195/mo. 

If you like the home, area etc, you could refi and pull out the same amount of money.

We had good capital gains on our first new property so we were able to inject that in our current primary residence reducing mortgage amount.

When you want coaching, you sign up for and pay for coaching in the niche you want to crush in and you shouldn't do that until you have tried a decent amount on your own, gone to meetups for a year, and figured out what you want to do first.Wholesale coaching is out there, but there are a lot of charlatans.

Seriously, it's important.And as mentioned above, the amount of rent you receive on multi-family properties is based on 12 month rental comps.  

The fire insurance companies dropped policies holders when they knew the fire was coming, in some cases, they're not even paying the full amount, and there's the case where some people didn't even have insurance.For those people who just want to walk away from this entire experience, is it possible that  morally-driven wholesalers can help them in a situation where not only the California government failed them, but also the Insurance companies?

Of course it probably wasn’t even worth the amount owed in taxes as nothing could be built on the lot. 

You should get $2632.83.Subtract THAT amount from the principal balance.