This is really a much more basic question, and isn't necessarily one that is specific to CA, although southern CA is a particularly popular market to apply the premise.

Sure, there are business, continue ed and tool/equipment costs, but if you're doing a good amount of work, you're amortizing that over lots of jobs, and it really shouldn't be terribly much per job.

The only way to deduct life insurance premiums, add to that the tax deferred earnings and a possible return of dividends makes it a great tool to utilize.I like and recommend everyone to have an HSA; safer, tax incentives, not to mention all gains are tax free if spent on qualified medical expenses (a great way to pay for long term care premiums!!)

Different insurance companies may have different tools to determine that value.

If I understand this correctly, this seems a tool to get LEVERAGE on folks who are unwilling to do a workout on the delinquent 2nd.

What tools do they use and how good are they?

I can't see it, too tight for any tools to squeeze in, it has other pipes running along, across, on top so even sanding was a challenge.Whatever I do has to be done without seeing.

Everyone else, regardless of how popular they are or if you think they walk on water on BP, do not listen to them to base your activities or lending business on, they are NOT qualified to give compliance advice.

It's an awesome tool.

3/2's are the most popular around here and get the highest rents.None of this makes it a bad deal.