If not you can take out up to 100% Cash out where you might lose a low first rate but good news you can refinance in 12-24 months and lower the rate.Mortgage rates are getting better and will be back down in the next couple of years allowing you to refinance and recapture a lower rate if you take out cash now.

CA does possess its own added challenges a landlord may face that other states offer better protection against. 

So let me know if you are interested in the area, I think it would work better for you!

You want to focus on the better neighborhoods here and not invest as if this is instant cash flow.

The loan terms are just so much better for owner occupants than investors. 

Renewal options are a better way for both parties to feel good about the agreement.

Technological advancements are reshaping the real estate industry for investors in various ways:Data Analytics: Advanced tools offer insights into market trends and investment opportunities, aiding informed decision-making and risk assessment.Virtual Reality (VR) and Augmented Reality (AR): Remote property exploration with virtual tours saves time and resources, attracting potential buyers or tenants and expediting transactions.Blockchain: Secure transactions via smart contracts reduce intermediaries, costs, and fraud risks in property dealings.Online Platforms and Marketplaces: Digital platforms broaden access to properties, investment options, and real-time market data, enhancing efficiency and transparency.Artificial Intelligence (AI): AI algorithms predict market trends, identify investment opportunities, and personalize recommendations based on investor preferences.Internet of Things (IoT): IoT devices provide real-time data on property performance, enabling cost reduction, efficiency improvements, and better tenant satisfaction.Crowdfunding Platforms: Real estate crowdfunding democratizes investment access, allowing smaller investors to participate in projects previously out of reach.In summary, embracing these innovations enhances efficiency, transparency, and accessibility in real estate investment, enabling investors to capitalize on emerging opportunities and stay competitive in the market.Thanks!

That will give you a better idea of what to put in your place.

Or is there some other method that works better.

You might not want the business there long term and find a better spot and then can you rent it out and cash flow for what you are purchasing it today for?