Tack on the anti-landlord laws that CA is trying to pass ("Justice for Renters Act") and it just didn't make sense from an investment prospective for me. 

You also have to take into account the local / state landlord laws...especially the ones coming down the pike in CA's November ballot --> "Justice for Renters Act" Not sure if it'll effect STR or MTR but as a general rule of thumb, I don't run numbers on best case scenario.

The tsp is just icing on the cake.I don’t like the premise of my money being trapped in an account until I’m 59.

Here's an example of the CA landlord laws not making sense I'm referring to --> "Justice for Renters Act" This is going to be on the upcoming November CA ballot.The numbers and landlord laws out here made sense in 2021, and they still do today.

Columbus is experiencing some great growth due to the tech industry investing pretty heavily here in Central Ohio and the landlord laws are completely night and day compared to CA - especially with the "Justice for Renters Act" coming up on the November ballot. 

"Justice for Renters Act" It will be on the upcoming November ballot and just reinforces my belief that I don't want to be a CA landlord. 

It may increase your vacancy when tenants discover they can no longer afford to heat their unit.I would add this:Since the TX power grid has proven unreliable and the providers can price gouge (how the justice department will challenge that remains to be seen), you could possibly ask premium rents by adding a generator / transfer switch to each building.

And the District Justice would agree.Keep investing and moving forward.

Here are the important factors to consider for a house hacker of a 2-4 unit property when using the program:NACA’s eligibility requirements consist of the following:No member of the household can have an ownership interest in any other property at the time of closing,Occupy the home over the life of the NACA mortgageParticipate in five actions and activities a year and at least one prior to NACA Qualification and one prior to closing in achieving NACA’s overall mission of economic justice; andBe willing to abide by NACA’s terms of membership, participation, and eligibility.Occupancy requirement:At the time of closing, the house purchased with the NACA mortgage must be the Member’s only home.

I think people look at real estate the wrong way and want the loss to offset their W-2 income.The first and most benefit goal with real estate is that your cash flow and appreciation is not taxed.if you are making 8% from cash-flow and appreciation and it is not taxed, imagine how quickly your wealth can grow.If you can offset the rental loss with your income income, that is just icing on the cake.