The social media platforms take down videos for far less.... 

There is a ton of value on the platform and many years of experience.Feel free to reach out anytime.

I have State farms on my main house & attached ADU, but since they are NOT issuing new policies in California, I have been unable to find an INS company willing to just provide INS for my rental.

If you're native to these platforms, find super successful agents (specially young ones) and do what they do. 

Renter's insurance ensures that if something happens to the unit that renders it uninhabitable that they have a policy in place to provide financial relief for relocating.

This isn't always as simple as it sounds, but could provide some additional insight.

This platform has an abundance of tools for learning and making connections with people who share your interests.

So I would need a good interest rate and provide upgrades that would yield positive ARV along with pay down and appreciation to provide 20% equity for a refinance?

Providing a return and having a paper loss is fairly typical. 36% is interesting though...

I love more than anything that you see the value in providing housing and caring for your investment, however timing is everything.Once the tenants are out GO FOR IT!