best friends" for life.

I'm willing to be a little ambitious, considering up to quads that need light work, but my wife is leaning pretty hard on wanting a turnkey SFH.

So I think you should try and sell it the way it is.I will say after much study and chatting with a dozen lender, no one will lend more than comps show on a working STR vs a standard home.So list the house as a house and then work out a deal on the furnishings etc.

Id like to build a bigger portfolio but this would be my first non LP deal where I'm doing all the work myself so I thought id start between beginner mode and intermediate. 

Sellers are slowly realizing there are fewer buyers and focused on working with those at the table.

We're currently working in the business quite a bit right now, but as it grows we'll be hiring to have it fully staffed with passive income to cover our current expense plus more. 

Balancing family life with your career as an outpatient internal medicine physician is no small feat, especially in the Bay Area's challenging market.

Agreed, if the rent the tenants are paying works for you (i.e. on or close to market value) then it can be very much a positive.If they are paying under current rates then that's more of an issue.

Easiest to work with?

I have worked with at least a dozen banks over the last year.