You always want to have the ability to not take the rent so as to prevent the cure.  

You're being sold a bill of goods....

Bottom line as long as you have the ability to repay and the valuation of the asset is sound you won't have an issue finding a lender willing to work with you but your first question will be "do you offer non-recourse loans".  

Most people who are using HM are doing so because they either have maxed out their existing credit lines or don't have the ability to use bank money.

The pro is the ability to save, plan and not have to worry about paying my bills.  

So as a fellow OC investor what are some of your favorite areas to invest in, in SoCal because you are making a lot of senseWherever I can find the best deal that I can reasonably assess and control my risks all the way through on ... my ability to do that drops exponentially as the radius from my front door increases.

A bill that would do so marks the most significant move yet in a growing movement to cap rents and control private propertyThis is what current people are thinking --they want to take over rights of property owners:http://48hills.org/2017/04/03/two-ways-eviction-cr...

There are some differences, but overall they are very similar to a typical SFR, and the scale-ability of your investing naturally comes easier.

Follow up every year by adding to the previous year, and you have the ability to compound the use of your seed money in REI...which you can't do in the stock market.If I spend $100k in the stock market, and made a 15% return over the course of the year, I'd have $115k at the end of the year.  

Relatively small cost/time investment, and then you the ability to offer legitimate listing services to all your clients.