As you probably know, California includes all foreign immigration - both legal and illegal to boost the numbers.

The people who share my mentality are few and far between.

Mentally it's hard to buy into a dipping market, but I think that's where a lot of money is made longterm. 

I welcome and encourage anyone on the forum to chime in if I may have misrepresented anything, but this has been my mental model after spending countless hours running through different scenarios.I dont have a heloc personally but just curious are they all fixed rate / or are some of them variable when rates rise the interest rate rises or when rates fall the interest rates fall.   

Just curious... what’s your ultimate goal for that office space..are you looking to boost resale value, or is it more about having a functional retreat above the garage?

Alternatively, consider increasing rent or reducing expenses to boost cash flow.This post does not create a CPA-Client relationship.

If you can swing it, increasing your down payment to 25% or more might help boost your cash flow and make your investment even more sustainable.Your long-term goal of buying and holding, with a target of 20 properties, is definitely a winning strategy.

@Gash Nookala,Renting can indeed be slower in winter, but here are some tips to boost interest:Enhance Listing: Ensure your listing has detailed descriptions and high-quality photos—consider professional photography if needed.Competitive Pricing: Double-check local comps; even a slight price adjustment or incentives (like a reduced deposit) could attract more interest.Broaden Marketing: Beyond Zillow, Hemlane, and MLS, use social media, community boards, and local business connections to reach a wider audience.Flexible Lease Terms: Offering shorter or month-to-month leases might appeal to tenants during this slower season.Local Property Manager: A local pro can tap into their network and help fill the vacancy faster.These steps should help you find a tenant despite the seasonal slowdown.

@Trent Reeve completely agree, but I'm hoping this helps some operators start thinking about what they could offer additionally to keep boosting their revenue.

Medical destination with excellent care.Arts and culture of a large metro and THE BEST football team (plus the Taylor Swift boost!)