I am a full time fitness coordinator/person trainer in Port St.

It’s going to be hard to overcome that in court, in my opinion.Anyway, since you asked about your rights with regard to withholding rent, in your state (like most) there is something called the “implied warranty of habitability”.

This implies that we have a long way to go, in terms of appreciation, relative to just about anywhere else over the next several years.

@David LiStep 1: I wouldn't post a question implying I had that much money using my full name and location on an indexable website. 

Although most source seem to confirm this, some articles seem to imply the contrary:https://homeguides.sfgate.com/can-landlord-charge-new-carpet-new-paint-lived-there-10-years-44474.htmlIf anybody has first hand experience with this in San Francisco and can provide some insights, it would be much appreciated.

I know many personal trainers that work a couple hours each day and make 6 figures. 

That stuff gets noticed and you will slowly work your way in. 3)Going back to step one, pay for it as there are a ton of great coaches, trainers, mentors out there.

This implies it is initially cheaper  to rent than to purchase.  

You can add value to a stabilized property and refi but BRRRR usually implies it’s done pretty quickly.

I occasionally would hear opinions that 2008-09 was a once-in-a-lifetime event and the next recession will be more mild, plus it will probably be caused by something other than housing, implying that multi-family won't fare as badly as it did back then, which wasn't bad at all for some operators in some markets.