What you are doing is often referred to as "House Hacking" and is a popular strategy for those just getting into the the game. 

We have been offering stated commercial loans which is one of our most popular products.

Granted I have never run the numbers on investment properties, you take a popular place like Broadway on the Beach and it's a virtual ghost town after October 1st.

The disadvantages I hear people say, in my opinion don’t hold that much weight.

The big upside to the property is that it is in an already popular neighborhood with a huge chance for appreciation, as the continuation of a popular walking path will be coming into the neighborhood along with two planned shopping centers, walkable restaurants and a new park.

Michael, I know that the most popular area is Northwest bakersfield.

Hey @Raymund CharfaurosI'd need to know a little bit more about how much weight you place on each metric and your target returns; but I am almost certain you'll find that your two goals (increased cash-flow, continuing to have an interest in San Diego RE) don't necessarily have to be mutually exclusive.There are two factors playing in to your favor here:1.

So I ask my agent about the escalation clause and she says: "it's not very popular these days...

Which would 'save' me $695/month in rent, but factoring opportunity costs of missing out on $250/month also carries some weighting.

There are some that have fireplaces in them for heating and some use them for cooking their food too; there are compost toilets (I'm not really into that, but it seems to be very popular).