I'll use SD as an example here strictly because I live and work here.

There are a handful of banks that I have looked at that will do 20% down on these small commercial deals, and the bank I am working with does this routinely.

If you were getting inquiries, but no applications I would maybe tell you your requirements are too strict.

We were 100% booked across all units, and even with having to charge higher cleaning fees because the Covid cleaning and linen guidelines were strict and took much longer, we were slammed full.

They can be more vulnerable because they get into a routine and just respond and act without thinking about it too much because they've done it so many times before without a problem. 

Perhaps we could make it a routinely thing each month or so?

Keep in mind that FHA loans do have pretty strict loan limits....and depending on your property it might be hard to fit it in with a southern California home. 

In my opinion, while the market is cyclical, nobody can repeatedly and reliably time the market.However, I also agree with Gary Keller statement in The Millionaire Real Estate Investor (at least I think this is where the quote came from) that said something like: Anytime an opportunity meets your strict criteria and you act, you have successfully timed the market. 

The Net Sale Price is computed by taking your Gross Sale Price and subtracting your routine “permissible selling expenses.”

Do you plan on living in the home at all during the year or is it strictly an investment?