I have added pre-payment penalties on my refinance loans to decrease my rate substantially. 

This can dramatically decrease your applicant pool and revenue.Can you do a rent by the room strategy of FF?

You can find higher ROI (on paper) here and probably in other cities…but the probability of actually collecting rent significantly decreases.

The number of homes for sale in the three county area around Sacramento finally had a decrease in November 2024.

decreasing appreciation?  

If an asset is throwing off a certain yield that is not commiserate with it's risk, then investors will then begin paying more for that asset, thus decreasing it's yield....or start paying less for the asset which would increase it's yield, until it was at the proper risk/return rate to produce the yield that is truly reflective of it's risk.The problem is novice real estate investors get the risk/reward correlation backwards.

My posting and commenting has decreased significantly in the last several months but after the LA fires, I'm participating more. 

Expectations for increases or decreases in the future?

The listing for my property is here: https://www.zillow.com/homedetails/682-Washington-Blvd-Baltimore-MD-21230/36535551_zpid/I currently have the house listed for $2,800 after decreasing the rent multiple times over the course of 5 months.

If your occupancy rate drops, you may able to patch the damage by trying other platforms but this will further decrease your ranking on the system in the future.