Brendon Kearney - 2025 Year-in-Review

BOTTOM LINE: South Beach favors portfolio strategy, yield, and flexibility, while Dolores Heights favors lifestyle, stability, and long-term equity preservation. The better choice depends on investment goals versus use-value—not headline performance.

SHOULD I SELL OR HOLD MY SOUTH BEACH CONDO?

FINAL VERDICT Buying in South Beach did not outperform renting in South Beach over this period.

BEST STRATEGY IN 2025 • Only sell when lifestyle or liquidity demands it • Hold, rent, and allow amortization to compound quietly • Treat the 3.75% mortgage as the asset—a long- term hedge against inflation

However, selling today would crystallize the weakest possible outcome.

• ROI Annualized (nominal): ~1.9% This Is No Longer A Market-Timing Decision. It’s A Balance-Sheet Decision.

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