bet dollars to donuts its leveraged to the eyeballs. 

No one knew those you listed would not be good bets before they weren't. 

I checked their reviews which were very low.   

We got a lot of rave reviews over that. 

Yes, it's easy to ask you these questions after the fact, but you won't succeed unless you carefully review your mistakes and learn from them.Not sure I agree with your statement, "RTR knew they’d messed up".

If you are in a high fire zone, the California Fair Plan is likely your best bet.

Just play roulette and bet it all on black bro.

Every one that you listed is a different script or a different mailer, but I bet you are saying or writing the same thing.

Your best bet if you want to wholesale (I don't know why anyone would) is to find a high volume local wholesaler and work for them for a while before going out on your own.Hello Jonathan,I appreciate your perspective, and I wanted to share more about my situation.

@Stephen Kehoe - my worry is that after I house hack for a year by living in the basement and renting the upper floors, an inspector will need to review the property to obtain a rental license as I will no longer be living there and is considered a rental SF.