I then took a job working for a dealership as a BDR (business development rep) AKA online sales, before COVID came along & shut everything down.

(I know their is probably not a right or wrong answer and it depends on the situation, but any help/opinions are much appreciated)Here is the pros/cons list of each that I have compiled: (feel free to check my work haha)SD House Hack Pros:- FHA low money down (not that big of a loss even if the value goes down)- can manage myself- can later refinance out of PMI once equity is built SD House Hack Cons:- rents will most likely not cover the PITI, when moving out- not living for free, still paying monthly (but at least mortgage and not rent)- California landlord laws (covid)- makes getting financing for out of state rentals harder if doneOut of State Rentals Pros:- immediate cash flow, can potentially get enough units to support mortgage in CA- market less volatile - better lawsOut of State Rentals Cons:- a lot more work, need to start a whole new businessSome bonus questions to get your brain firing:1.

After Covid hit, our market had an inventory shortage for affordable housing, so when the market went way up, we elected to sell it.

My bf's bank/lender granted him an extension several times during covid so he hasn't had to pay the mortage since last march or april when covid hit.

Now with covid it made that problem more exaggerated.

However, today she informs me her brother lost her job in December "due to COVID" and has been staying there every other weekend.

The P&L has the same P, and both eat up the same portion of the 7%, but the latter one has literally 7x the L on the P&L.Setting aside the pandemic and everything that has changed, you could even spot this effect pre-COVID.

Tenant is acting reasonably (difficult yes, but reasonable) during covid to keep a limit on the people traipsing through.

I do think that the problem will become worse here as in other major cities on the west coast, and I don't really know what the best solution for that is; in my experience people just get used to it in those cities (that's why you have areas people know to avoid in those cities, like the Tenderloin in SF and Skid Row in LA).Sorry I don't have better news for you; I've seen Portland evolve a lot (Portland native, born and raised), I see a decline in quality of life in Portland, but not the real estate market.

With covid rules and evictions the way they are I am more likely to raise screening criteria then give leniency.