first, if using property management, it will eat up a lot of your profit.  

Transaction costs will eat into potential profit, or even lead to a loss.As for future values in SF, of course the city is going to bounce back in 2-3 years big time.

Bill Bonner of Rogue Economics has been stuck on his giant ranch in Argentina since maybe March, 2020, but has had no problem sending his daily dispatch to subscribers (and eating farm grown meat and vegetables and eating farm made cheese, wine and ???)

Those fees eat into your cash-flow.

If selling, anything less than 20% profit is simply too small to risk, as you will have closing costs that will eat up most of 10%. 

However, if repairs are needed, these can easily eat up a significant portion of your rehab budget.

However, if you enjoy the great outdoors, being able to fish (and eat the fish) in the state capital, consider it.I know too many people that move only for the $ a job pays, but then spend more than the difference trying to be happy. 

When they retire, I don't want them to slowly eat through their retirement savings, what happens if they live past their savings?

And the higher fee might eat into the extra you could get for it furnished as well too!

It could eat away at a lot of what I would bring in for rental income.