I too am a CA product, but out of town investor.

There are a couple others building some quality condo products as well, but these three have the longest history in the area.

Is there such a product available from any buy and hold private money lenders?

Here in NJ they are either competitive or just about equal on most products that I've investigated, so I would just prefer to bundle everything with them.

Again, a far inferior product to the modern building material such as vinyl windows, but nonetheless, a requirement for the historical district.

I posted about this product in another post as well but i would suggest "Marcell Pro".

Keep in mind, if you're asking a premium price, then people expect premium product.

Michael Bowser If you are willing to put in the time and effort to do it yourself, Turbo Tax is a solid product for 1 or 2 rentals.

How I like to view things is from the different levels of financial independence:- cash to cover spartan level expenses  like some have mentioned or just bare sustenance  (food, shelter, medical insurance)- cash flow to cover all basic bills (prior plus utilities, cell bills, others)- cash flow to all basis lifestyle and min reserve tucked away as well each month (min reserve, subsequent levels can bank more reserves)- cash flow to cover all basic, additional reserves and growth of future lifestyle increases- cash flow to cover additional lifestyle, reserves, and additional margin to grow other areas of life style, hobbies, and investments well (self funding deals, self fund rehabs, and other activities)At the last level and subsequent higher levels from here and on you can self fund from cash flow alone and "job," not is never needed again but depending on your personal preferences for lifestyle and risk you may work forever to stay busy or may quit the job at steps 2-3.I enjoy what I do as a lender so perhaps I just lower my production down to 2-4 loans a month and just help my past clients and referral partners.

@Jonathan Valle You can search the forums for probably 17 years and read endlessly on this topic and realize that everyone is going to have a different answer.Things that people seem to mostly agree on. 1) If you invest in your own name you can get better mortgage products.