However, if you want a well-designed, maximum over-funded policy that can be leveraged for real estate investing, there are really only just a few companies that have everything you need.Minnesota LifeAllianzNational LifeAmeritasI don't want to write a book here, so if you want to know why most other companies WONT work, just PM me.

Unfortunately getting 100% financing with zero experience is most likely not going to happen.

Basically im trying to define myself a plan as you can see and zero in as i have been all over the place.  

We all have different financial situations, lifestyles, risk tolerances and goals so what would be a good investment for one person might not work for someone else. 

With the new rent control policies, there is zero incentive to lower rent as it may take years before you could recoup that with the minimal increases they allow. 

Lots of options for making espresso drinks.We have had a Breville in our primary home for over 10 years with zero issues.

Has zero interest in real estate or filling out any paperwork.

Thanks for all the replies.I would price out elsewhere and if you find a lower rate, I would ask the new lender what their rate lock policy is, such as when do they lock it, for how long, and what is needed to get the lock.

Does anyone know which insurance company still writes landlord policy in Richmond area/Condo (94804)?

The rate on a HELOC will fluctuate with the market whereas a cash out refi rate will be fixed, so it depends on your risk tolerance in the instance rates were to go up.