Cashflow, appreciation, population growth (increasing or decreasing), companies based there3.

A lot of places are already seeing price drops and rent decreases.

Inadequate cash reserves are the #1 reason flippers and brrrr investors fail. 

At the same time, States like Texas are luring quite a few companies out of California by offering them massive tax breaks, and decreased regulation that's almost as valuable.

You never know what is down the road, but if your unit has in suite amenities, it is more likely to be rented decreasing the vacancy time.

@Ned Carey I was thinking that as well since there is such a shortage on houses in SF that the demand is high but recent times it is dropping as people can work remote during this pandemic and now we are seeing a decrease in rent amounts because people are leaving outside the city.

Current vehicle payment is $398/mo with about 9000 left to pay (2.5% interest rate).Initial thought is go use the cash to payoff the vehicle to increase our monthly cash coming in, and decrease our DTI (only debt besides the vehicle is our rental/pri res/boat) and use the next 6-9 months to see what happens with the election before picking up another door, however having the extra 12k on top of that 6-9 months is also a great boost for a down payment.What are you doing in this scenario?

The Conventional index, meaning loans not backed by the government, decreased 24.2%, while the Conforming index that includes loans bought by Fannie Mae and Freddie Mac dipped by 2.7%, MBA said.

I also hadn't considered that too high a target rent my decrease my tenants' stability.

Does anyone know of a way to get hard money lending down payments decreased?