I have heard on various news channels that the powers-that-be in California are going to push for much higher density when they rebuild LA after the fires.

Hi Shaz, Okay, I have some good news. 

You all provided great news and Q&A 😇

https://ktla.com/news/nationworld/airbnb-nightmare-tenant-leaves-los-angeles-home-after-nearly-600-days/#:~:text=(KTLA)%20%E2%80%93%20Elizabeth%20Hirschhorn%2C,according%20to%20a%20court%20filing.

Then it is going to be a tsunami of sellers and a bunch of idiots on the news crying that they got ripped off by much smarter people who at some point will decide they've made enough money off the commoners that it is time to dump it.

And Joe, I post the news.

I'd agree with mortgage news daily - the "average mortgage rate" generally tracks very very closely with the 10-year treasury yield (+ a somewhat steady spread) - google and yahoo finance on that are pretty handy

This can be shocking news for many people, but your rating may not be as important as you believe.

The good news - there are plenty of family-friendly neighborhoods between St Paul and S Mpls which offer decent opportunities for a househacker - you just need to know where to look, what to avoid, and where the opportunities are (undervalued properties, under rented units, value-add opportunities).

I don't want to be the bearer of bad news but I truly believe starting with a single as a rental is a major mistake.