I see listings posted all the time but RSO nor HCIDLA are in that line of business of enforcing this even though the STR operators are clear as day to see and VERY easy to find.Just look up how many lawsuits are filed and paid out against LA due to sidewalk falls/injuries.

I am also getting married in May and will be finishing my masters degree in the fall of 2023!

These deals are not going to fall into your lap. 

Do rental rates usually fall when interest rates increase and home values decrease?

Many new and experienced real estate investors will FALL into the pre-payment penalty TRAP and it might really bite them in the A$$ or cost them on future deals. 

Good luck covering litigation costs to whoever falls for this. 

Don't fall in love with a spread sheet use common sense.

/@Kenneth Biason - I came upon this thread as I'm in review on a property in Garfield that falls within this zone.

Guy will be a good sounding board for this type of stuff in case there are times the forums fall short, I'm sure he'll be happy to let you buy him coffee or a beer and chat RE 

VA loans can be used to purchase up to a 4 unit multifamily. 1-4 units still fall under lending guidelines as "residential loans" versus "commercial loans."