So while the Just market value is $635,953... it is being taxed like it is only worth $358,356.  

It really sucks, sorry, it's tough to sell right now with the interest rates, even tougher on the higher value properties, even with extensive marketing which I'm sure your agent is doing.  

I would first encourage you to hire a retail leasing broker in your market. 

We use Rentec Direct and really love it.It collects our rent, applies late fees, deposits our rents in our bank account, tracks expenses, screens our tenants, markets our properties, generates forms we can send out for docusigning by our tenants, tracks leases, and much more.  

Since I've been told the insurance market is really tough right now in California with most of the big companies (Nationwide, Allstate, State Farm)  not writing new policies to new customers, I'm trying to do a change of broker to a different Safeco agent.

Here, a Co-Op marketed an "Investment Program" of notes paid at variable interest rates on demand after a lock-out period. 

That's tough in today's market but not impossible.2.

We have been researching our market and are very ready to buy an investment property.

Given your background and interest in foreclosure and pre-foreclosure purchases, here are some pieces of advice to help you succeed in this niche market.

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.