@Darius Kellar Not everything can be done virtually and done well.You should consider attending REIAofOakland.com and MREI.com events to expand your knowledge and network. 

There are SO many knowledgable and friendly investors in the area, some of whom are active here on BP.

I've Invested in my Knowledge from over 6 BiggerPockets books, about ready to attend locally and network, and learn as much as I can from the Home Improvement hands on side, and the investor side.

They have experience, knowledge and capital that a new entry may lack3.

If you're going to be required to do DSCR I'd try to stay above $100k.

I've met a lot of connection through this forum, so I recommend staying active here!

This is definitely a good point - people tend to get caught in the mindset of "MAX" cash-out proceeds no matter what, you can always reduce leverage (lender will pretty much not want lower leverage) to stay conservative and protect cash flow and cushion 

This is a great market because insurance is covering the cost of the stay. 

I had a ton of knowledge in my head from books, podcasts, masterclasses, but no hands on experience.

Its a great way to stay current!