If your bread and butter is buying smaller properties, then by all means continue doing so. 

This was unexpected because, even after the initial introductory period was over back when I first obtained the credit line, the bank continued to offer the 0% promotions again and again for years.

What roles do easements, drain lines, utilities and soil samples play in determining the value?

I like the idea of staggering loans as I continue to acquire.

I acquired my notary commission by attending a one day course at a local adult continuation school.

I don't claim to be a lawyer & don't play one on the internet, but there may be a need to notify for it to be valid, but that could just be for creditors.

Continue to go to them and network with folks.

I hope the best for your success and you continue to stay plugged in.

That's just a first glance, but that might lead one to lean towards Sacramento as a play for appreciation and rent increases over time, but lean towards Stockton for cashflow today since the prices are lower.... up to you what your goals are.Anecdotally, you hear a lot more people saying "I'm taking my high income job working from home, and moving my 'home' to Sacramento, and just driving to the Bay Area once a month for the monthly work meeting!"

The company continued to collect deposits with no ability to do the work.