Some hot areas are Jersey City, Newark, North Bergen, Guttenberg, West New York.

I even turned off the hot water tank to save money (until my then-girlfriend, now wife, convinced me to turn it back on)—all to use these savings as my launching pad of capital to get into buying income-producing real estate and starting a business.Fast forward to today, the foundational skills and inspiring stories I absorbed from the BP podcast have given me the confidence to take action and believe in myself, significantly advancing my investment career.

DSCR is also available and that is 20% down for 2-4 units and that requires No income just need the rents to qualify.Indy has been a hot market lately I just closed on a few 2-4 units just outside of the Carmel area and Indianapolis. 

Household debt has hit a record high, rising to $17.69 trillion in the first quarter of 2024, with credit card debt alone averaging $6,360 per borrower, per CNBC.

Common locations for supply lines to fail are where male threaded galvanized pipe is threaded into brass or copper valve and fitting bodies  (due to galvanic corrosion)  and hot water lines will rust up so badly as to start restricting water flow or begin leaking a decade or two before the cold side fails similarly.   

This scenario doesn't bode well for a 4k, 2 bedroom townhome in a nice location but not the hot spot where the action is walkable.Sell if you can and look for a better opportunity to invest.I have 20 rentable units.......all considerable lower cost than yours and I am finding it harder to keep the rents I have now.  

and I think household formation in the US is going to continue along briskly for the next 15-25 years even if population growth slows. with that said I'm buying stocks too. 

Yes, so Ohio was hot for the last few years but now it has cooled some. 

he has been running the hot water intentionally to run up my water bill so my tenant dont have hot water to shower. my water bill is now $800 a month.

Charlotte, NC, is a key spot for buying and selling properties, with tools like Zillow, Redfin, and BiggerPockets giving key info on what's hot.