There is a very visible distinction once you cross the tracks over city lines driving down Green Ave. 

There are no wrong answers - each investor has their own "flavor" if you will. 

Welcome Levi, nice to add more international flavor to BP Nation!

Scott, what you are asking for can be broken down into two distinct components (a) an analytical methodology for evaluating markets and (b) the data that you will apply to the methodology to arrive at your conclusions.The data is the easy part.

My post points out there is a distinction between Yield, which is interest income and potential Gain from the discount.

To not point to the distinction amongst assets is, I would argue, is an annoyance and deceptive practice to some extent.

Account Closed - yeah I get the distinct impression that a buy and hold strategy in the SF East Bay makes no sense right now for SFH.

The distinction is that you already own it rather than a "purchase money mortgage" which is used to acquire a property.If you do the refinance you might be just paying off an existing loan. 

If you would like to give some context as to the factors that you look at in priority order (more important factors vs. less important factors) that would be a value added conversation as well.Additionally if you would like to provide some flavor as to what kind of ranges you are seeing regarding re-performing 2nds and the factors that influence your buying decision, that would be excellent as well. 

I did 2 years of reading 1 book every month, listening to just about every flavor of BP podcast, watching youtube videos, and networking and it does change your life.