The population and economic growth is through the roof - which is appreciating the whole city.

It's pretty to look at it but it wouldn't be called an economic powerhouse. 

It can be hard for us to see because we are "zoomed in" to our own experiences and timeline, but in reality what we are experiencing right now has been experienced in several waves before over the past 100 years.For us right now debt is unbelievably inexpensive, which creates a huge demand both from the homebuyer and investor pools,  There are other factors influencing returns downward, too, but at the end of the day the diminishing returns we're seeing are part of an economic cycle and should be shaken up by some event or series of events in the future.Or it won't . . . here's to speculating (clink)!

She is reminding banks and economic agents of the dangers associated with excessive debt. 

Finally, I would talk to a tax accountant to understand whether it is more economical to hold the property personally or in a holdco. 

My recommendation is to choose cities in safe and economically diversified areas with above-average income and population growth.

Argue all you want that you can't eat appreciation, but you can when you capture it through cash out refi, trade, sale, etc. and over time, it turns out to be a cash flow king if held long enough.If you intend to house hack, you have already mitigated some risk to the COVID crisis as a landlord and screening  your tenants is another mitigation factor.

We strategically choose to invest in locations that have positive cash flow, landlord friendly legislation, low taxes, population & economic growth, etc. 

Marketing: customer segmentation and place/promotion for when/ where to advertise Economics: Opportunity costs, agency costs, supply and demandStrategy: Competitive advantage, value proposition. 

Those of you have invested in Metro Phoenix--or are posting "where to invest" questions--might want to read this article from today's Arizona Republic.At the end of this excerpt there is a link you should be able to access without being a subscriber:Jobs magnet: Study ranks metro Phoenix No. 1 nationally for attracting, retaining workersRuss Wiles, Arizona RepublicMetro Phoenix has finished at the top — again — in a national study that ranks counties by their ability to attract and retain high-quality workers and other economic-development factors.Maricopa County finished first in the study by labor-analytics firm Emsi, beating out runner-up Clark County, Nevada, home of Las Vegas, and dozens of counties from Texas and Florida.