These areas tend to offer slightly more flexibility, and depending on the size of the property you’re looking for, you might find larger units than in Portland.Also, as Scott mentioned, increasing rents in Portland can be a slow process, especially with the 10% cap or 7% + CPI limits, whichever is lower.

I think the middle road of trying to do both gives you the worst outcome (tenants damaging your property, lower price because it’s no longer new construction).Best of luck whichever path you choose.

I am not familiar with amending in Turbotax, but one thing to note is on the timeline for filing amends (you have some time still, but also good to be aware): Generally, to claim a refund, you must file an amended return within 3 years after the date you filed your original return or 2 years after the date you paid the tax, whichever is later. 

@Jonathan Greene you can call me on my cell phone.

Now, whichever option one chooses the rate is fixed for the next 30 years.

There no reason to wait any time or have any “whichever is lower” rule come into play.

Try to find ideal markets that offer upside while still being at a more affordable price point than southern California for example.A few good examples are Columbus Ohio and San Antonio Texas, although you'll have to find particular neighborhoods and micro-neighborhoods to consider in whichever market you are looking at.

Whichever you prefer.

We have programs that we readily pay your; grocery bill, rent, cell phone, internet, spending money, health insurance, Rx coverage, day care AND to boot not only do you NOT have to pay diddly-squat in income tax's that the rest of us subsidize (pay) for you but we even send you a big fat check each year if you have kids. 

For example a younger person with only a few years of credit history with a $100 written off cell phone bill from when they switched companies will have a bad score because they don't have enough history to offset that small negative.