What's especially strange is that we have never had an issue until we starting dealing with this lease cancellation and returning the deposit, at which time, the tenant began to be extremely hostile.The scanned image of the check online has no endorsement, but it does have a stamp on it, verifying the time that it was deposited, but not giving any specific bank information.

But quadplex deals in San Diego in a nice area is extremely hard to find.

Thank you for any advice given your words are extremely appreciated. 

My primary short-term goal is a profitable start, not extreme DIY value maximization in the perfect deal.

@Brie Schmidt One of the tenants has been there for 24yrs and takes extremely good care of his unit and the building.

Extremely professional and helpful if you are new to the vacation rental world. 

I'm looking for advice as to HOW CAN I OBTAIN A MORTGAGE W/O PAYING AN EXTREMELY HIGH INTEREST RATE?

The reason I am asking is I found a duplex in my area with an EXTREMELY motivated seller.  

I get builder's risk thru them, it's not extremely costly but it is earned premium.  

But if you do not have a written marketing plan, the odds of your marketing plan working is extremely low.Thanks for your input, much appreciated