The goal of this again is to add extra buffer and have another rental stream in case some unforeseen circumstance comes up (rents drop significantly, remote becomes a permanent thing, etc)Questions to those who own property in Pleasant Hill or surrounding areas: -How realistic is to breakeven with mortgage+other expenses with what we'd be able to get with rent? 

(Yes yes, I know, price per square foot is just one measure of a property's value; consider all else as equal in this example - as if you had plucked a SFH with average upgrades/amenities from a neighborhood of SFH's and dropped it one neighborhood over.)Thoughts/considerations/advice/anecdotes on this scenario much appreciated; it's somewhat unique, I feel.Edit: Something else occurs to me - how much would you increase expected vacancy; time on market when I ultimately do decide to sell?

Larger and you feel more open, but on a $ psf basis, your rate starts dropping.  

With COVID, some buyers and investors definitely dropped out of their search, but sellers also hit pause, and the number of homes coming online isn't the volume you would expect in a Spring market.

I don't see cap rates continuing to drop.  

There is less paperwork, no up-front PMI, and monthly PMI will drop off once you hit 80% LTV.

If the room is a home office type room, just drop a standing closet from Ikea and "presto!"

She’s suing me and threatening that I drop charges against her son.

Should I just open a separate account with my local credit union for convenience (though rates keep dropping)? 

@Sean Holmer, most experts would say if you can drop your rate by 100+ bps and still have some time to go on the mortgage, it makes sense to refi.