I live in Los Angeles, so it makes things tricky in terms of flips and in-state investing.

I've found Kiavi a bit better for the short term fix & flip (lower fees) and LendingOne a bit better for the 30 year DSCR (lower rate). 

It was pretty long and basically barely found one and it still all boils down to insurance. 

That always makes it so much harder to rent, or secure a great tenant.Here's my standard go to list now for long term rental updates:-LVP that looks like wide plank white oak-Ultra Pure white on all the walls-Vertical/ modern stack backsplashes and showers-Pop of color on the cabinets (pop of color can include black too)-Butcher block countertops (lower end) or white quartz countertops (higher end)-Modern light fixtures in brushed brassKeep it neutral still but a couple of style choices with the light fixtures (which are cheap) and it will appeal to the masses.Good luck! 

But as of now, just a long term, high yield savings account.

So it is a good long term bet (provided the socialists do not bankrupt you first).

So rather than selling $10-15k of  investments, couldn’t I get a short term loan to use to pay bank back?

Were you getting others offers when it was market, and how long has It been on market?

I didn't really understand why as long as the loan was not underwater and they didn't explain it. 

Wealth comes from holding real estate long-term.