You need to wrap your arms around cap rate so you can recognize when it is being manipulated.

Note Columbus appreciation is 10/10 for state of Ohio, but only 5/10 for nation (San Diego is 10/10 nationally).Using initial cash flow to predict actual cash flow over a long term hold does not recognize that markets project the expected appreciation into the price and therefore initial cash flow has poor correlation of actual long term cash flow.

The tenant is the only one who can be given the designation of requiring an animal but there isn't to my knowledge a designation that is recognized for a licensed emotional support pet.

A book that really helped in that aspect is called "Who not How" by Dan Sullivan.I've also gotten better at recognizing when I need a break.

Now I recognize financially getting a conventional loan may not be the “best use of money” but it’s what we could do at the time.

You need to hear the “right” advice.It is absolutely life changing when you talk to folks who are in your space and tell them your vision and what you are shooting towards and they are able to genuinely tell you that you can do it and to hit the ground running.

Consider putting in that ADU construction is being considered and tenant recognizes the impact such construction may have on the livability. 

I write to encourage you to pursue this general strategy as I believe it is a sound method for genuine wealth building in the Bay Area. 

Theyfailed to recognize us taking a hay field with trees on the side.

Regardless of your political affiliation, some people are genuinely afraid.