You had no choice. 

So in the future you could refinance the rental to take out tax free money to pay down your primary residence to accelerate this even more, or sell the rental to capture the equity in it to pay down the primary residence.Regardless of your choice- refinancing would probably be in your best interest on one or both of the properties. 

@Kevin LeAt some point it becomes a personal choice in terms of which area works best for you (SF/South/East Bay/Peninsula) etc.

REebroker is likely your best choice. 

It Is an option on owner occupied loans where they Give you a choice of 3,5,10,15 or 20% down. 

That's not guaranteed, but it is the choice I'd make based on market conditions as I see them.

Pissed off you have no choice but to pay for 2/3 of the cost.A month later, this Frankenstein'd 17 yr old machine dies out again and the insurance company wants another $99 deposit to come take a look at it a second time.  

With stocks you don't have the choice of buying a nonperforming asset.

Not everything will be perfect. 

Bigger Pockets Property Insights tool has been useful, even if it's not perfect, it does list known ads, and it indicates the confidence level that it has in its valuation.