Some move equity from a Bay Area property into more affordable markets (some mentioned above the Midwest is popular) using a 1031 exchange, deferring capital gains tax while trading into higher cash-flow areas.

They come with slightly higher rates and down payment requirements, but for investors in your situation, they can be a great way to get started.

Is it the taxes and insurance being higher than you thought, or more the competition side of things? 

Quote from @Mike Dymski: Money printing is the problem, not the solution.Separately, the comparison analysis needs to include a higher rate for a longer term loan and higher home and other prices due to the increased money supply.USA is itself a Ponzi.

Quite similar to a cash advance but I'd be pulling a higher amount than that option allows. 

The US population is about 40 million people higher in that time frame which converts to (approximately) 15 million more households.

But corporate clients have higher expectations. 

My team has worked with quite a few investors doing co-living or rent-by-the-room models around metro Atlanta, and overall, it can be a really strong strategy when approached intentionally.Co-living fills a very real gap in the market — it provides affordable, flexible housing for working professionals, students, and people in transition, while also producing higher returns than traditional single-family rentals.

Not advertising a deal, just trying to understand what “market” looks like.Hypothetical (but based on a real situation):- Location: Central Los Angeles, Jefferson Park–type area- Asset: Existing 4-unit multifamily on a single parcel- Context: Within walking distance (~0.5 miles) of an E Line / K Line rail station, so it appears to fall into a transit-oriented development (TOD) pocket that should benefit from SB 79 upzoning (higher minimum density / height / FAR if standards are met)- Ownership: Held in a family trust tied to a probate / conservatorship, with a court-supervised mandate to (a) preserve the asset and (b) use it to support an elderly beneficiaryThe family side can realistically contribute **land only**; they don’t have the balance sheet or cash to run a full entitlement + construction process.

Nothing fancy, but proper updates that justified higher rents.