Ask your agent to find out what who the listing agent uses for E&O insurance since it was advertised at 1 Acre.

One thing to keep in mind is that most e&o policies do not cover transactions in which you are a principal. 

I'd be surprised if it gets that cold down in Oakland, but you are likely dealing with higher indoor (and outdoor) humidity and the face of your wall assembly may drop below the dewpoint.You need to find the cause of the humidity: broken dryer vent line; dishwasher; long, steamy showers w/o the bathroom fan running; water leak; too many people living in the unit; in-adequate ventilation (particularly if the envelope is tight); a grow-op in the basement, etc.  

Thanks for the link @Susan O. that was a good article.

@Katharine Chartrand & @David O ... thanks a lot.

Nicholas O. 

Getting people's professionals to send in a letter vouching for them puts the professional at odds with their E&O insurers like Camico.  

Upper 20s/lower 30s young professionals are so much easier- they've usually rented before, are trying to settle down and start a career, and know how to work a washer/dryer-- unlike many 18 year olds these days. o-O

In contrast, syndication via LPs flow like MF apartments are very tax efficient, tax advantages of property tax and mortgage interest deductions, accelerated depreciation making these very nice vehicles for putting cash in your pocket w/o a high tax bill during the hold period.  

And that effect tax rate is pretty high because it's marginal income on top of what's made from the standard J-O-B.