Doing the due diligence on rental rates wont be an issue for me but I’m not a developer.

I've seen people get really competitive rates that way.

Despite the ongoing decrease in mortgage rates, the real estate market is facing a persistent challenge as housing sales struggle to bounce back.

Evaluate historical and current vacancy rates, aiming for decreasing trends.Demographics: For younger populations, focus on proximity to parks and schools.

No seasoning.Key Bank, FLorida flexible lender, HELOCs on second homes and rental properties. 90% LTV on primary.PenFed - max 3 other properties, 89% LTVRegions- yes HELOC but no LOCSCCU Florida 70% LTV, 6.25% interest only, not LLCSound CU "non-owner occupied HELOC, capped at $150K and interest rates are prime + 2%, 3% or 4%, based on credit, not to exceed 70% ltv.”TD BankTIAA Direct was EverBankTower FCU, all states except TX, max 45 DTI, green card ok.

There were only a handful of nationwide insurance companies willing to rate liability insurance on STR management, and almost none (none?)

Current rate is 4.75%.

California investors, what are your thoughts about my ratings below? 

I think a HELOC is the best option 95% of the time, especially with rates on the higher end. 

The HOA told me they require a sound dampening rating of 67% for upstairs units, and I ended up getting CoreTec ProPlus which has a 57 STC (sound transmission control) rating (I had to call the manufacturer to get that info).