Here are the details at a high level:Purchase price: 174,000Closing costs: 2,000Down payment: 20%Rental income: 1525Monthly expenses: 487 (insurance + tax)Maintenance: 128 (1% of purchase price)10% vacancy: 150Self-managingI am not sure what interest rate to use to get the monthly mortgage amount.

"Overly expensive"?

They can provide insights into whether locking in a new rate now could be advantageous or if other financial strategies could make holding the property more viable.Additionally, consider the overall financial picture, including your ability to cover the mortgage without the rental income covering all expenses.

Same goes for number of LLCs and what to fund them with, since bear in mind that CA tends to be more cumbersome and expensive to have LLCs than other states.California is generally more cumbersome than other states when it comes to taxes and filings.

It could make sense to take advantage of minimal competition and relatively "low" home prices while interest rates are still high.2.

I already got a letter from rent board saying i told them to leave which is false. yes this is SF,CA. people wonder why rent is expensive in sf its because landlord like us always get screwed by these tenant.

The rising costs can erode profit margins, make renovations more expensive, and increase holding costs.

For simplicity sake, let's assume a 40% expense ratio, giving a net operating income (NOI) of $216K.If we were to buy at their asking price of $2.99 million, we'd be looking at a cash-on-cash return of 7.2%, and that's without factoring in capital expenditures or debt service.I'd say this one has a looong way to fall before it's a deal!

Liquidity, diversity, and low managerial complexity are all offered by stocks.

Think about what the payment is, and what that payment got you 20 years ago compared to today - because in 20 years it’s gonna be worse and they have a low rate they will never refinance and you will basically have an upside down investment with the risk they could default.