Roseville is solid, as there are a lot of bay area residents moving there.

Any prospective resident with bad credit or a prior eviction is going to have an impossible time finding a place to live.  

It is currently my primary residence and was a great house hack but I’m now considering moving out to live with my girlfriend nearby in her condo.

In the past few years I've had some larger tax billed at the end of the year and I'm brainstorming ways I can reduce that burden.If I'm able to pay of our primary residence or a rental property, which should I choose?

@Tove Fox - Residential Real Estate InvestingPros:Lower Entry Costs: Easier to get started with less capital required.High Demand: People always need homes, making demand relatively stable.Easier Financing: Mortgages are generally easier to secure with favorable terms.Simplicity: Easier to understand and manage, especially for beginners.Flexibility: You can use it as a personal residence or rent it out.Cons:Tenant Turnover: More frequent turnover leads to vacancy and more management.Lower Cash Flow: Income potential can be modest compared to commercial properties.Emotional Buyers: Residential prices can be influenced by emotions, leading to price volatility.Maintenance Burden: Landlords often deal with repairs and maintenance, which can be time-consuming.Commercial Real Estate InvestingPros:Higher Income Potential: Stronger cash flow and higher returns are common.Long-Term Leases: Tenants often sign longer leases (3-10 years), reducing vacancy risk.Professional Tenants: Business tenants tend to take better care of the property.Valuation Based on Income: Prices are based on the income the property generates, not market emotions.Shared Costs: Tenants often cover property expenses like taxes, insurance, and maintenance (via triple-net leases).Cons:High Entry Costs: Requires more capital or partnerships to get started.Complex Management: More expertise is needed; you may need a professional property manager.Economic Sensitivity: Commercial properties are more sensitive to economic conditions.Challenging Financing: Securing financing can be harder, with stricter terms and higher interest rates.Zoning and Legalities: More complex regulations compared to residential properties.Key Differences:Risk: Residential tends to be lower risk, while commercial offers higher rewards but with greater risk.Management: Residential is easier for DIY investors, while commercial properties usually require a team.Scalability: Commercial properties are easier to scale, offering more potential for significant cash flow increases.

I honestly give 5 stars when I shouldn't because I feel bad, but I give them feedback the whole time on what is broken and if they are responsive I feel like it's ok and then I still include what to look for in my review to help others.

Honestly, over leveraging is a really bad idea at this time (just my 2 cents). 

Plus, it puts your personal residence cost into the financial mix. 

Investment Info:Single-family residence buy & hold investment.

I like to sleep well at night making an honest buck.