You can't in other states.You should stay in your backyard starting out.

After speaking to my insurance and her insurance I was surprised to find out neither one was planning to cover any of it.

They specifically want to stay in SF and use the equity in their home to invest.

This was a big surprise to me when I begun.

Adding a garage makes it more likely the tenant will stay longer.

Also codes can be changed for each new tenant or after an eviction, or messy breakup between a couple and only one stays.

Hard to say what would work.Each individual has a different risk tolerance, amount of being passive versus active, needs cash flow today versus more equity growth on the back end, certain time horizon to stay in the investment,etc.Only the individual can decide what is most important and the best fit through research and self discovery.For me as a syndicator and sponsor I like deals where there is big equity gain on the back end for my investors and myself.

We need to keep at least 10% skin in the game and the LTV ratio needs to stay at 80% or less.Dan Dietz

You would be surprised what is happening in the Real Estate Industry nowadays.

Whatever you do, stay professional!