Otherwise with the dwindling tech sector in SF, and the remote work (2-3 days a week) that is most likely here to stay, it just doesn't seem like a strong mid term market to me.

Here are the key themes I'm seeing get set up for 2025: Interest Rates Will be Holding Steady or going up: The yield curve (finally) uninverted this week, when the Fed signalled they will be more cautious about raising rates.

There are others but those are some of the more recent ones I have talked to (in the last couple weeks) that had the best offers.

Jesse, myself and my friend we stayed at that house for about a week and we finished the entire flip.  

This is especially important for when tenants go on vacation for a week and turn the heat off all the way off.

Banks, on the other hand, can take weeks, if not months, to approve and fund a loan.Another big plus is the flexibility in qualifications.

They tried to save money by filing themselves but ran into procedural issues that ultimately delayed the process by weeks.

Homes will have even more deferred maintenance and tenants will be even harder on them.Class D pretty much requires an OWNER to be on location and at the property 3-4 times/week.

This chart does not include the latest increase in rates, but in a couple weeks we should have an update.I saw several places that showed increased rates:https://www.verticalbuilders.com/blog/what-to-expect-in-q4-2... 

It was taking 8 weeks for septic permits and 4 months for surveys.