Even if you had to exceed that, as single you could convert an additional $485,050 above the $63,350 (or $503,350 if married) and you’d only be taxed at the 15% LTCG tax rate (not counting any state if applicable).Each year I’d get my taxable income as low as possible to give myself as much ‘room’ as possible in the 0% tax bracket and convert the max amount possible.

. - Low-income areas = High cash flow, low equity growth - High-income areas = Low cash flow, high equity growth - Median-income areas = Average cash flow, average equity growthFor me, median to high-income areas are where I like to focus.

Sure you could do a money market or put it in an ETF or something, but this is one of the options where the balance "can't" go down or is extremely low risk while making a decent yield.

Yields in Boston are very low.

But when I share that the low point on that visual is 1.700% of mortgages, and the high point is 1.730%, maybe the context makes a difference.

Larger are as low as $1.15. 

It's low risk and tax free on the gain.

Bigger pockets also have webinars on how to choose a market to invest.

You decided to invest in a property in a low income market.

Condos actually give you the biggest bang on deprecation because such low land value but any RE will do!