Long-term investment should cover income shortfalls and consider alternative markets outside San Francisco or affordable markets like Texas, Ohio, or Arizona.

I'd love to believe that we have an alternative to the paper we pass around, but we don't yet.In addition, did you know that your bank account can disappear or your electronic refund from the IRS can be hacked, and there is NO recourse?

For you seasoned investors, does it make more sense to go to Home Depot and take advantage of their deals for appliances and such, or are there better alternatives for flooring, tiling, and appliances?

Alternative strategies: Are there techniques or approaches better suited to markets like this where rents are so low relative to property prices?

Were you able to find a way to make that income count, or did you pursue alternative strategies to qualify for financing?

Alternatively, franchising could be a solid route—it offers scalability with a proven framework.

Alternatively, using part of those funds to pay your current mortgage might help create additional borrowing room.

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Consult a real estate CPA or tax attorney to assess if the benefits outweigh the fees and risks for your situation, and consider alternatives like 1031 exchanges or installment sales for simpler strategies.This post does not create a CPA-Client relationship.

If your primary has a net $1M appreciation you’ll only pay $100k cap gains tax - that’s a lower alternative than what you propose.