This could have three fold impact ---> allow for writing off paper losses against W2 income, increase the property value by increasing monthly rent, and all the normal cash flow benefits for RE...right?

The rate is impacted ultimately by all of these factors.  

How does that number impact your retirement? 

At the time, I didn’t realize how much that could impact my agent’s ability to advocate for me.

However, a major employer pulling out of the town your rental property is in could severely impact the rental market, cutting your rental income.

Additionally, Stockton is currently experiencing a slight shift towards a buyer’s market, which could impact your decision to rent out versus sell.

Personally, I tend to see it more with my clients when they are buying vehicles as they are scaling (crushes DTI/FICO in the short term), but that sucks that its impacting what you can do with your family.

You make some excellent points regarding the impact of higher deposits on finding the right property.

While this trend is reshaping industries across the board, one sector is particularly impacted in ways many may not realize: real estate.

@Ronald RoetselDifferent states have different requirements for what constitutes adverse possession.