I suspect your LTV, using more typical values, is higher than you think and might still be safe, just not as safe.Jeff

I'd suspect most/all lenders would not allow that to extend to the DP also or at least not that large of an extent of it. 

I suspect your repairs and maintenance number is low unless it is a very new property.You may say that you are going to manage it yourself however that is false logic.

I suspect the average unit is likely over $200K.The shocking thing is no one I know in RE has any clue to how many units this family owns and I go to meet ups, deal with some of the more known brokers in town, etc. 

Many of these companies will threaten legal tactics if they suspect (or see) anything negative written about them...I've even read here about one or two of them requiring members to sign agreements say they won't say anything negative or will incur a fine.

OH I know they are but I suspect it wont work in this scenario.. 

They have another deal together that's working, but I suspect that when that project ends, so will their relationship. 

I suspect the personal loan you had to take out comes with a substantial monthly payment as they are usually short term.

I suspect some areas will have 0 available STRs after providing the existing good actors their STR permits.  

I suspect if your units meet safety requirements, you have 5 years since SB13 enactment that the jurisdiction cannot force you to cease those units.