Set up auto-drafts that cover the amount the max contribution will increase each year, whenever the gov't allows the increase. 

There are many scoring versions available to the various types of lenders (auto, mortgage, credit card companies) and the scores vary by version.

It’s not as if the Bay Area tech industry is going the way of Detroit’s auto industry anytime soon...And, as soon as prop 10 fails to its (deservedly) miserable death, you’ll feel a lot better too!

On average, must people get auto loans at 5 years for vehicles $25K+ at a way lower interest rate (about same 3K down payment). 

For example I’ve probably mentioned the auto repair facility I purchased for $125k and sold 4 months later for $300k at least a dozen times.

In a lender eyes my auto loan and primary residents mortgage maxes out my debt/income ratio.

You have the ability to auto-request applications (keeps everything easy and in one place - so listing, tenant screening applications, leases and other tools like rent collection and maintenance tracking are all available, just to keep the process seamless).

According to Equifax Canada they do count as one.https://www.consumer.equifax.ca/personal/education/credit-report/understanding-hard-inquiries-on-credit-report/Exceptions to the impact on your credit scoreIf you're shopping for a new auto or mortgage loan, the multiple inquiries are generally counted as one inquiry.The timeframes vary for these exceptions.

Mortgage, auto loan, etc.Plus FICO has a 30 day lag. 

@Aaron Smith, just a little curious, but if you do not have a current umbrella policy, what is your auto policy coverage?