Hi everyone,With talk of market fluctuations and interest rate changes, I think it's prime time for us to dive into strategic adaptations.

For investment properties in the lower priced neighborhoods of Linden and Franklinton what type of vacancy rate is typical? 

At the time of lease signing they would give a check (usually like a cashier's check) for 1 full month's rent ($1000 in your example) and then the pro-rated amount would be due on the first of the month with every succeeding month being the full rent.For my own investing I usually look at it on a case-by-case basis.

I'd be willing to live in it which appears to have some benefits for a condo conversion depending what town you're in.The thought being that we could buy a duplex/triplex/quad, convert it to a condo, and sell off the remaining units leaving me with (at the end of the day) an affordable housing option.Here are the condo zoning laws that I found for Sunnyvale: https://www.huduser.gov/portal...My understanding is that they don't do condo conversions with <3% rental vacancy rate, but it looks like it was 3.1% from the most recent HUD market analysis for my area that I could find: https://www.huduser.gov/portal...Does anyone know someone who has done a condo conversion in the Bay Area?  

Hi Nick,Unless it's a rate/term refinance, 80% LTV is not common in refinances.

Among the top 50 U.S. apartment markets, 17 with over 2.8% inventory growth experienced a 2.2% decrease in rents.

With these rates, I will likely be negative cash flow or break even if I am LUCKY on a single family.  

I can borrow against my portfolio at about half the rate that I could borrow from a bank for.2) They think 2 dimensionally, focusing only on the here and now.

Too little information for us to be helpful.Questions would include:What is the rate of return on your stock market account?

My interest rate on the home I pulled the HELOC from is 2.75%, so I don’t want to refinance it because I won’t get that rate again and I would like to avoid my mortgage increasing in both properties if possible.