Basic bank account structuring:Can Checking and Savings Accounts for individual properties be within the same institution from which I do my personal banking?

You may already be doing this, but I would look at the smaller, perhaps local, lending institutions.

@Chris SharpAny time you can get non institutional financing you should consider it a win.

@Adam Wallace there are some financial institutions that will refi before 6 months but, 6 months seems to be pretty standard.

As a rental you participate in debt paydown, property appreciation (CA isn't going anywhere over the longer haul . . . maybe for a minute but it seems likely that it will come roaring back), tax favor, and cashflow.TLDR:  It depends on your goals, but most people wish they would have kept more and sold less, so I'll echo them here:  keep it and rent it.

Also, being active on here and participating in discussions that are interesting to you will give you lots on industry insight.

One of the institutes I receive monthly updates looks very closly into housing debt and credit, HELOC utilization, equity, lending standards etc - with 2008 as the bench mark, all indicators are deep green.I am however concerned about goverment debt and the 6 trillion dollars we have "printed" - this may not go without consequences, probably increased inflation, which hurts anyone with savings and benefits anyone with cashflowing mortgage debt.

However, there are some smaller institutions and and portfolio lenders that service their own loans that will forgo that seasoning period.

If so are there any specific lenders/institutions or programs any one has experiences with?

You may wish to confirm that the new 401k provider will handle the ongoing compliance support such as any required 5500 filing (e.g. 5500-EZ for a one-participant plan with assets in excess of $250,000), any required tax reporting (e.g. 1099-r in the event of a distribution or in-plan Roth conversion), mandatory plan updates and amendments, etc.4.