Generally speaking if they are all CA SFRs, rented and/or all income is fine, credit is good, and looking to go conventional, your rate should be in the low to mid-3's depending, even for cash out w/probably a pt or 2, depending on how the loan is structured. 

The truth is no profession is all good or all bad.

:PWhat you might find is that if you hit that target retirement date, and half or all of your mortgages are paid off, your monthly household income-after-expenses number may not even drop below what your "day job" used to pay you.

Our HOA is saying that this is valid only for the new HOA and not the ones who had the "90 days min required" before the law came into effect.Does anyone know if is true or all the HOA have to amend it?

It is a great tool to know and understand construction, even though you will start hiring a lot or all of it  out as you continue to scale.

Would you like part of something.... or all of nothing?

You may have a fine, be required to pull a permit, open the wall for inspection or all three.

Or working with county regulations when there is inadequate access via a bridge.

@Luke J Nelsen You may be able to withhold some or all of the Tenant's security deposit as damages for "cost of reletting" (defined as “leasing fees, advertising fees, utility charges, and other fees reasonably necessary to relet the Property.” 

Payments that you make normally fall into one of 3 buckets100% of the payment can be factored in somewhere on the returnPartial payment can be factored somewhere on the return0% of the payment can be factored in somewhere on the returnHouse-hacking also has considerable tax implications in the event that you want to sell this property.You can potentially defer a portion or all of the gain on the investment property with 1031 exclusion.You can potentially exclude a portion or all of the gain on the personal residence with section 121 exclusion