I recently started banking with USAA, due to my stepfather being a veteran, and have heard that they are incredibly helpful when inquiring about financial advice and planning for your future.

A few months ago, I bought a 4plex in Oakland that produces over $5k+/mo in rents ($60K+yr).

Hi Kevin,That does not produce a great cash flow especially if you consider the potential appreciation.For example, let's say that you can sell it for 180K and then walk away with a 50K tax free profit (if you live there for at least 2 yrs),  In addition to your 50K in profits, you would have an additional 20K in principle pay down over that first 2 yrs as well giving you 70K to invest.As a rental, your $1100 per month in rent yields an after expense income of $550 (using the 50% rule).  

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The only way I see us staying there is acquiring income producing properties (in addition to our salaried jobs) before buying our forever home to offset living expenses. 

My family and I have been looking to purchase a co-op/condo since August 2015, and the market is incredibly intense: low inventory, high competition from all-cash buyers.  

I know it's incredibly disappointing.  

30 year fixed rate mortgage on a high quality property which produces positive cash flow is a fantastic way to short the dollar.

The value adds aspect is incredibly alluring.

Incredible!