Other strategies are higher risk, higher time consumption, and higher reward.I would definitely NOT recommend starting with flipping, wholesaling or lending. 

The increase in vacancies can be attributed to the addition of new properties to the market and higher than usual vacancy rates in older properties.https://www.socalrha.org/news/2024-vacancy-and-rental-rate-s...Note LL, location, and property all have an impact on actual vacancy.  

I always tell my clients to put a reminder on their phone to go off monthly to ensure they pay off all debts like this that can cause them to have higher credit scores. 

There are options out there but it definitely won't be as sweet as deals with higher loan amount that are purchases (bridge is more limiting than purchases).

In fact, the median sales price of a single-family home in the Austin metro is ~44% higher than it was at the start of 2020.

So if the agent wants a higher commission, the price needs to be reflected.

Rehab costs were higher than estimated.

For a lot of things you can just look up material costs and assume the same for labor. 50% material and 50% labor holds roughly true for the entire project, at least for me here in Milwaukee, your labor cost will probably be higher in the Bay Area.100-125k spread would be tight, even for me here in Milwaukee.

If you are looking for rental income, you may have better luck finding cashflowing properties on the westside of town (Fort Worth, Arlington) due to the higher price/rent ratio.

Are you estimating that building will be more profitable with the higher material prices and the added challenges of getting a certain type of financing together with the time constraints to minimize holding costs?