Mine hasn’t been so dramatic as I do have a wife and kids and not as much equity.

I am not currently investing there, but I know the area.My general opinion is that as the areas you mentioned get built up things will creep out and Chelsea is as likely as any place to get some of the action.Even if it doesn't get a lot of development it will get a boost just because of the lack of affordable housing and rentals in the other outer areas.I actually did a blog post a few weeks ago on the year over year condo market in Chelsea (Condos since they are like >80% of the SF units in the city).  

I understand the counterpoints here, but feel that the bet on rates coming down is a bet on the Fed suddenly and dramatically reversing course - something I think unlikely until Jay Powell's term expires and a new chairman is installed. 

It's a crucial step in ensuring your financial stability and future success.Your credit score is essentially a grade that reflects how responsible you are with your finances, and it's used by lenders, landlords, and even employers to assess your financial trustworthiness.A higher credit score can lead to numerous benefits.It can make it easier to get approved for loans, credit cards, and mortgages, often with better terms and lower interest rates.This means you'll pay less in interest over time and have more money in your pocket.To enhance your credit score, focus on simple yet effective practices like paying your bills on time, maintaining low credit card balances, and avoiding opening too many new credit accounts.Over time, these responsible habits will boost your credit score, making your financial journey smoother and more successful.So, by taking steps to improve your credit score today, you're setting yourself up for a brighter financial tomorrow.It's a smart move that can pave the way for future opportunities and financial well-being.Step 5: Save for a Down PaymentSaving for a down payment is like putting money aside for a big purchase, like a bike or a video game console.

The only way I get hurt is if I (a) try to sell the property, or (b) rent rates drop dramatically and I lose cash flow. 

You can print 20,000 mailers in bulk, but the number of motivated seller leads will be dramatically reduced.

They ensure that your investment properties are in tip-top shape, attracting tenants and boosting property value.Property Manager: If you plan to invest in rental properties, a property manager is a must.

With the large immigration influx, housing dramatically increased due to demand from those with deep pockets.

I am personally interested in the Bold program which seemed like it could really boost your business and help with setting the write mindset & establishing systems early on.

That might be a way for you to keep your cash on hand for some renovations and forced appreciation to boost your portfolio a little.My personal recommendation is always to pay off debts first before going after an asset because it directly impacts your purchasing power.In this case, if you were to pay off your debts and then combine your income with your father's, you would qualify for more.