These are niches that have had good historical performances and and expectations of doing well.  

Live from a nondescript bedroom in one of the 64 parishes of the Pelican State, it is I, Ronald, gracing my presence on the BiggerPockets forum.Okay, enough theatrics, here is a little about me: Single, early 30's, no kids, high school graduate, didn't finish college but plan to one of these days, originally from the beautifully historic Crescent City (New Orleans, Louisiana -- who dat!)

The property is an older home in an historic neighborhood and backs up to an alley.

The property is an older home in an historic neighborhood and backs up to an alley.

The property is an older home in an historic neighborhood and backs up to an alley.

I could estimate appreciation based on historic sale prices, I just wasn't banking on it.

It is in a historic district and walking distance to our downtown, which was a huge reason we bought the house originally.

I realize these are still historically low rates, but they are well above where I am at now, and it is hard to give up such a great rate.Am I crazy to give up a 3.0% interest rate, and add another $1,000 to my fixed monthly mortgage? 

San Diego financed buy n hold has historically been very good measured by ROI.  

In addition property and rental appreciation in San Diego have historically far surpassed 3%.