One of my competitiors in HML in the SF bay area in the 80s would always video tape the closings.. 

The early payment penalty is certainly something for me look in.Are you familiar with the Tampa Bay area? 

Given the new Samsung campus plus the 7MM sq.ft. of new office space to be built for Amazon at the Bay 101 site, I expect the housing market for downtown and north San Jose to be hot in the very near future.

STR and MTR are still intensive, but we have a market well suited for this and have identified many investors from the Bay Area using this strategy.

Hello,🌎 I am currently located in SF Bay Area and looking to invest in Los Angeles market and make it my primary residence as well.💫 My plan is to invest into a duplex or a single family house with existing ADU.🏠 I got interested in real estate investing after listening to financial independence podcasts a few years ago. 

Rounding out the top 10 of affordable homeownership cities were Flint, Michigan; Toledo, Ohio; Detroit; Akron, Ohio; Warren, Michigan; Pittsburgh; Yuma, Arizona; Springfield, Illinois; and Palm Bay, Florida.

It was really tough to find property where the numbers made sense in the bay area.

Real estate generates a return through cash flow + appreciation.It appears that cash flow is negativeAppreciation appears to be 0% over 2-3 years based on zillowThe question is what you beleive the future will hold for cash-flow and appreciation.Cash-flow will likely continue to be negativeThe question is what do you think about the appreciation for the bay area.If the property continues to stay at $850,000, it will likely not be a good decision to hold on to the property.If you think the property can appreciate to $900,000, $950,000 over a few years, then it can potentially be a good reason to hold. 

I also have rentals out here in the San Francisco Bay Area. 

I moved to the San Francisco Bay area 35 years ago from Toronto.