Ive been living down in Tampa for the last few years selling medical devices in urology and recently was lrt go duebto COVID.

I will say that San Diego's economy is based on the defense, medical device, and semiconductor industries, all 3 of those industries are largely unscathed by this economic downturn we are seeing.

The reason the bank wants the Realtor to be involved is amongst other things a blame-shift device.

I used a Freddie Mac loan.

I drive all over southern CA (1,150 business miles last week), so do not have a good answer for traffic, other than using your navigation device or smart phone to watch the data from the Caltrans loops and trouble reports.

Fannie Mae and Freddie Mac individually reported new records in 2019, which is pretty well known at this point.

What are some devices/systems that you would recommend to mitigate/stop flood damage?

However, I tried to do one that was with Penny Mac and they wouldn’t do it unless it was owner occupied. 

@Matthew T.Fannie Mae and Freddie Mac both have a 6 month waiting period for cash out, but of course you can do a rate and term refinance at any time based on the original purchase price.I'm surprised your HML let you live in the property.  

And he provided a map that we can check where these census areas are, those with low census areas freddie mac is not enforcing the income restriction.This is not great, as we would not be able to use this product.