If you are setting aside funds for capex, taxes, insurance, or other expenses that don't occur monthly, transfer those funds to Savings each month and hold them there until it's time to spend them.

Well, first I'm a long term buy and hold investor.

@John Hua - I have a short answer and a disclaimer that there may be a need for a much longer answer.Short and therefore simplistic answer: roommates in a shared SFH do not cancel the fact that it is your primary residence.

Buy-and-hold investors should explore opportunities in these locations. 

one star threats are not our favorite as hosts but she did give us a couple items we were not aware of and were able to correct before the next medium term guest.  

Our experience is in short-term rentals, but we are open to the idea of being landlords if we find the right property.Thank you in advance for your assistance.

Both are older homes, the 3/3 was renovated in the 80s.2/1 home is prime candidate for a tandem house out back or teardown and convert to Rowhome zoning, (properties were recently rezoned just across the alley tandem homes, ADU already zoned ok) 3/3 is newer, on a double lot, but my thinking is that I could hold these for a while, go through the rezoning process and sell both if/when the neighborhood continues to get hot enough for more density building, possibly work with a contractor friend of mine to get going in this direction, or try to do construction of tandem home behind 2/2 and then adu behind 3/3 home.Are there any resources for spreadsheets or analysis specifically in this realm/that I could show my financiers to calculate the projections on this?

Absolutely teeming with expats and even younger couples since such a short proximity to San Diego.

What terms are they offering?

The quality of the carpet was very low they looked very shabby and flat in short order and the adhesive was a bear to get off when we tried to replace them.