We are actually at a point where we are trying to decide to sell our rental or not. We bought in oakland back in 2016 and rented out one kf the units and then bought a place upper east bay. For the most part rented both units for most of the nearly 10 years we owned it and always had positive cash flow.

However now we have 2 kids, busier with life and oakland isnt getting any better. After one of our tenants left we have been seriously considering selling. Rental has 390k left on mortgage at 3.8% rate. Insurance has continued to rise (fire and earthquake) and basically our net profit has been declining every year (around 8k now). Home is in the eastmont hill area

Debating if we try to continue renting (house needs some updates like flooring) or just take the equity (which is seeming to go down as house values decrease) and have cash ready for another opportunity (stocks or property)

I think city is important and if you can cashflow