This part of the San-Francisco Bay Area also sits atop the earthquake-prone San Andreas Fault.

Major Earth quake not withstanding.

Not everyone has the skill/intelligence to do this :-(One thing I conservatively consider when aiming for Bay Area appreciation is to envisage the worst case(s) that I want to mitigate (loss of job, withdrawal of HELOC, earthquake, high % vacancy, high % drop in rent) and answer the question, how can I ensure that I do not have to sell low.

Is Azle still getting Earthquakes?

I should also mention the house was built in 2004 and is located between Sacramento and the Bay Area (read: earthquakes).

And make sure to account for the following expenses:1) Mortgage2) Mortgage insurance (PMI or MIP) or FHA Risk base3) Property Taxes4) City Taxes5) HOA (Home Owner’s Association) Dues and Fees and Assessments6) Insurance a) Property Hazard Insurance (0.3-0.45%) b) Flood Insurance c) Earthquake Insurance d) Umbrella Insurance7) Vacancy Rate (usually 8% - the equivalent to one month a year, or 5-6% if multifamily and/or if experienced, if not use 8%)8) Utilities (you’ll have these if your tenant is not covering them and/or during vacancy) a) Water § Sewer § Garbage b) Electricity c) Natural Gas d) Propane9) General Maintenance (usually 5%) a) Upkeep § Landscaping b) Snow removal c) Repairs d) New Appliances e) Make ready10) Capital Expenditures (usually 5%, higher is the property is old and obsolete, less if fully rehabbed and all mechanicals and roof are new)11) Property Management (8%, even if you self manage, your time still has value and there might be a time when you'll want to be completely hands off or you'll not be able to do it, vacation, retirement, etc.), including...

I'm planning for what I consider the worst case scenario, but most people I chat with don't think the Bay Area will take more than a 10% hit unless there's a massive earthquake or a huge tech melt down.

Its brick now I dont know where it is but if its in a earthquake area like where you and I live its an issue. if we get a rumble the building may be ruble.

Should anything happen to that coast or country like a hurricane, an earthquake, tourists accidentally getting killed, it would kill their only industry, tourism and they wouldn't have the money to cope with it.

I inherited a house in Haiti that's is worth about 300 k U.S at the minimum .