We are going to talk through our strategy some more and possibly shift to a small single family home.

Your situation is unique and presents an exciting opportunity for your retirement planning.Given your aim to maximize your monthly income to supplement your CalSTRS retirement fund, and your desire to continue investing in properties post-retirement, here are a few suggestions:Assess Your Risk Tolerance: Transitioning from California properties to Indiana duplexes involves a shift in market dynamics and possibly different risk profiles.

Is it easy for my friend to shift full ownership to me if he loses interest (Not a huge risk but something to think about)?

After peaking in the second quarter of 2022 at $316 billion, trailing 12-month transaction volume finished the year close to 70% off the recent highs.As interest rate volatility whipsawed the capital markets last year, a noticeable shift in buying patterns saw investors move up the quality spectrum.

Despite a 56% year-over-year decrease in transaction volume to a 14-year low of $35 billion, quarterly sales activity remained stable throughout most of 2023, with 23Q4 volume slightly above the level set in 23Q1.The early months of 2024 saw a significant shift in the market dynamics, with owner-users overtaking private buyers as the primary buyers of large office developments.

And again the market will shift.

This guideline has shifted over the years as property values and interest rates have increased, but the guideline should be a good initial indicator if a property will or will not cash flow.If you are looking for more information about the 1% rule or alternative analysis metrics commonly used in real estate, go check out 1% Rule In Real Estate: What It Is And How It Works!

My priorities have shifted the last few years, and I have decided to get into the real estate market as I see as the greatest way to achieve ones goals in so many different ways. 

Although, this might be the time when our market shifts and that will help sell homes. 

When enough people realize they will have to live where they can afford, not where they desire, there will be a shift.