Hi Justin.Nice to meet you here  We are also investor in the high desert, we have been doing the house hack method so far 3 sfh in Hesperia and apple valley.

I also know that a Cali investor may very well have a much more difficult time when they run into a bad tenant apple.

It's very apples to oranges. 

Hi everyone,I am a small STR investor and in the past few years I have been investing in both stocks and real estatewith COC returns of about 20% for the past 3 years.I am considering diversifying my portfolio with LTR and I know that returns there are going to be a lot smaller.So I was curious to know if there was a rough formula that could include mortgage paydown, tax advantages, and estimated appreciationto be able to compare apples with apples.I am only familiar with Cashflow, CoC, Cap Ex, and IRR.

@Carlos Quiros  First make sure it is an apples to apples comparison, same scope of work, permit pulling, same quality finishes. 

Apple is planning to delay the start of construction of their new campus 4 years, from 2026 to 2030.

I'm actually licensed myself.Regulations would mean a higher entry level, which means that all the bad apples will be weeded out and I'm all in for that!

I am managing 1 short term rental and my housekeeper prefers to get paid via apple pay.

First 10 years I/O and fully amortized for 20 years thereafter..If it's full income verification, strong credit and a lower LTV you should be able to get there with a mild buy down..Check in with @Joseph Chiofalo for a quick second look.

Also certain lenders will either allow for you to execute a partial IO loan which is where typically the front end of the loan (5-10 years) has interest only payments.