@Marc Anthony MacielIf you're diving into house hacking and multifamily investing in Southern California, you’ll want to focus on markets like Riverside, San Bernardino, Ontario, and Long Beach—areas with strong rental demand and solid appreciation potential.

Just remember, Real Estate is a long term investment and you are ultimately enjoying the appreciation and principle reduction. 

Let’s break it down:Loan: $300,000Base Rate: 8% (P&I: $2,201)Buydown: 1 point ($3,000) lowers rate to 7.75% (P&I: $2,145)Monthly Savings: $56Break-even: ~54 monthsHolding long-term?

Personally, I advocate for a long-term investment strategy and would recommend investing the funds, provided you are comfortable with the expected return on investment over time.

would get estimates and see how long to recover the money and your long term plan for the property

I've done and been a part of many Chicago zoning changes...they take a very long time and a lot of upfront money...unless you are planning to add multiple units and do a full renovation, the ROI is probably not there.

They pile up fast.If you’re serious about long-term wealth building in real estate, protecting your portfolio is just as important as growing it.

Are you doubling down on short-term rentals in tourist-heavy areas, pivoting to long-term rentals in growing suburban markets, diving into value-add multifamily properties, or exploring something completely different?

Yes they aren't ideal, but in DFW you're essentially using those costs to get cash flow for on market properties which does not exist anymore in DFW under the traditional long term rental model.

It is a very long term investment but would sell for insane profits C.