Reason being, my partner and I are planning a big move from Silicon Valley to either Sacramento or San Diego. 

I currently work in IT for a Silicon Valley tech company.

I'm not wealthy by any means, but I can save money while living in Silicon Valley, if that means anything.The rest barely live at all.

and those predicting the death of Silicon Valley simply have not been there. its just incredible to see the BILLIONS and BILLIONS of dollars of new construction and the latest and greatest tech ideas and companies..   

Grout seems to be guaranteed to crack in these areas, so we just hit with a bead of silicone when we're finished and that has seemingly solved that issue permanently.

With the same kind of foreign investment increase here in Seattle - coupled with our 'Silicon Forest' rising, housing prices have skyrocketed and don't appear to be coming down anytime soon (https://www.seattlemortgageplanners.com/2017/02/se...).Do you see the same kind of government regulation being a factor in the not-so distant future for foreign investment here in the PNW?

It’s very easy in Silicon Valley to fall into this trap because so many people are doing “amazing” things such as traveling the world or buying luxury cars and huge homes.

I'm a commercial contractor that works in Silicon Valley and ive even seen bad IT guys  ;)

So the way the mortgage debt is structured in USA , is making as the homeowner is always win-win (regardless of rate movement) ; while mortgage/debt holder/investor is losing money when there's volatility in mortgage rates.Imagine Silicon Valley Bank bankrupt is because they are giving us money to purchase house literally LOL...In other country, only 2Y ARM product exist (so there's balance of risk between mortgage holder and home owner).What's crazy now in the USA is some of those lender goes bankrupt with those fixed rate for 30 years, while the asset value itself is actually increasing as residential home is started to going up.Which means only one thing:*Buying residential house in US with 15YFRM/30YFRM is no brainer investment activity*

If he sells,it's typically a partial and it's to someone in his network,which is just a small group of guys in silicon valley.