There is a spacious 5th room in the finished attic that is not considered habitable because it's under the 7 ft. ceiling height.

I've had them do much more harm than good.

depend on how much your job pays & your spending habits leave you to INVEST. 

The successful ones set up systems and routines/habits.

Stay focused and stick to good habits.

Both the books The One Thing & Atomic Habits are excellent (non real estate) tools for creating daily disciplines to achieve small goals building to large-scale accomplishments. 

As for the buy now or wait, as @Adam Tafel mentioned, the harm in waiting is you continue to pay rent currently, which is money out the door (meaning minimal in the grand scheme of things). 

I pay to keep it in habitable condition.

Recessionhttps://www.ocregister.com/2020/03/16/coronavirus-pushes-u-s-into-recession-california-to-be-hit-hardest-ucla-economists-say/Oilhttps://www.biggerpockets.com/blog/coronavirus-harm-real-estate-market-oil-price-warCovid-19https://www.kcra.com/article/newsom-more-than-half-of-california-projected-to-contract-covid-19/31791343#We are in a systematic designed destruction of the world economy, the FED [and all central banks in the world, follow same gameplan] is going to become the buyer and seller of last resort.

As I said in the original post, there were quite a few egging on the newbies and saying what could be the harm?