Everyone’s celebrating potential Fed rate cuts like it’s going to magically revive San Francisco and the broader California real estate market — but cheaper debt doesn’t fix overpriced assets, brutal regulations, and razor-thin cash flow. This is the slowest market we’ve seen in 15 years, and waiting on the Fed isn’t a strategy. Smart investors aren’t sitting around hoping; they’re pivoting out of California and into affordable, cash-flowing markets like Cleveland, Chicago, Baltimore, Indianapolis, Memphis and Detroit where the numbers actually make sense today. Subscribe to HoltonWiseTV — we break down why out-of-state investing isn’t a backup plan, it’s the smarter play.