Why do people not understand this? 

Plus with current interest rates, people with a high mortgage (eg 80% of the home's value) won't have much cash flow.

Lot of young people living at home with parents looking to get out from under parents roof. 

For loan mortgage purposes and if it ever gets sold, other people may not use that same strategy.

People still tell me I should never touch my retirement account $ to buy RE, but I disagree.

Any responses from California SB 9 savvy people will be greatly appreciated.  

I recommend you stop partnering with so many different people.

But its seems like these products are imaginary programs that people have heard of but nobody has actually done one.

(Ive got a group of people to bounce ideas off of, happy to discuss.

Start low if possible, offering yourself to the companies, and listen a lot of podcast from people that did this.- Partner is always better, but to put your name out there you have to do it yourself.