Lot of young people living at home with parents looking to get out from under parents roof. 

@Jarrod Patterson  Depends on the reason for the temporary need from a local, also you have to screen financials some of these people may not be viable candidates even if they think they are.   

For loan mortgage purposes and if it ever gets sold, other people may not use that same strategy.

And people can do whatever they want...but most of us use lenders that will lend up to a certain point with $0 out of pocket. 

People still tell me I should never touch my retirement account $ to buy RE, but I disagree.

Any responses from California SB 9 savvy people will be greatly appreciated.  

Use each property or client as an opportunity to get into more conversations and add more people to your database.

I recommend you stop partnering with so many different people.

But its seems like these products are imaginary programs that people have heard of but nobody has actually done one.

(Ive got a group of people to bounce ideas off of, happy to discuss.