Look at the Event Horizon for this virus. 

The pro's of my diversification story; well,...I've diversified, own a few properties outright with positive cash flow on the horizon, own another vacation property with 20% down and positive cash flow year 1. 

I'm partial to annuity-based calculations that factor in the investment horizon and individual risk preferences of the retiree, like this one.

Perhaps there are some rules/regulations on the horizon that will affect the STR market? 

For a 10 years (or plus) horizon, the properties in San Jose have the best total return, if I don't discount that I manage the properties in san jose myself.

It's going through a lot of changes, and I know good things as far as development and desirability are on the horizon, particularly with what the Marchuska brothers have been up to.

There may be a great market on the horizon for ADUs down there. 

Look into their zero expense, zero minimum index funds and find something that lines up with your time horizon and your tolerance for volatility.https://www.fidelity.com/mutual-funds/investing-ideas/index-funds

I will document/take notes on my session and share with the community.Assumptions:My target demographic: College students/young professionalsSweat Equity: I am willing to work on the weekends and weekday eveningsTime Horizon: 5 - 10 yearsObjective: Financial Freedom at the fastest rate with the most conservative risk level.

Depending on the level of financial impact events that you have on the horizon, you might re-think taking on something somewhat risky like real estate investing while you still have some debt.All-in-all, you should be "responsibly leveraged."