I agree that it makes sense to stay safe early on.Something that most seasoned listing agents know, that you may not know, and that your LO may not have told you, is that most triplexes and fourplexes in the SF Bay Area at MLS prices will not meet the FHA "self sufficiency" test.

I knew the market was intense here, but you're definitely moving into one of the most competitive markets possible.To your point on seller financing, there are generally so many offers on any reasonably priced property that seller financing is generally never an option.

Dropped out of law school after year 1, because I didn’t want to go into an intense amount of debt and law is not necessarily the way that I desire to make my impact on the world.

As someone who seems to take pride in describing them self as combative and aggressive, maybe you should find a less people intensive side hustle?

Also, another great underwriting tip is to stress test your numbers.

But the good ones that have sustainable business models - those companies that survive the test of time, have capital and operating reserves - and even have a "war chest" for mergers and acquisitions.

If it does not pass their sniff test, they can hold up the process for fear you are lying about something.

If he says the DSCR, I would look at the DSCR for the bank loan and make sure you're comfortable that it's enough to cover, stress test it and make sure your downsides are covered. 

Could you rely on the refinery's drug testing?

They have monthly regular meetings in addition to Saturday intense trainings and bootcamps.