People often talk about Bay Area prices being "inflated"; however, what I find valuable is to compare what has happened here in the Bay Area versus in other parts of the country relative to true inflation rates. 

But keep in mind, and we discuss this in our masterminds, with inflation prices do not need to go down to see a decrease in values. 

Some turnkey providers will inflate #'s or make a neighborhood sound nicer than it is. 

Since inflation is 2% on avg per year, a 30yr fixed mortgage ends up being a steal 5-10 years from now.

My personal preference with rates low now and inflation likely at some point (of course, I have been saying that for years) is a commercial loan that allows LLC to hold property with no "call" clause on the loan. 

Garfield is good because it's relatively safe and close to NYC, but the prices are still pretty inflated even for the fixer-upper kind of houses.On more thing to be careful of with this kind of thing is the legality.

My guess is there will be continued inflation.

A high doc-prep and recording fee is a turn-off to many potential bidders who assume you`re just profiteering by inflating the processing fees, and since I`m dealing with inexpensive properties, it makes up ahigher and much more notable percentage of the total price.You said deed-recording services are available in most parts of the country - I haven`t had much luck in finding any local services in WV,probably because I don`t know what the term for such a business is.

But to also just load it up with whatever garbage off the street with a pulse so you can inflate your properties value to dump the flaming mess on an unsuspecting buyer. 

And when I consider liquidity, the possibility of a refi, the possibility of high inflation, the possibility PMI will remain tax deductible, & such, it seems the 3.5% option is slightly superior.