Back up to market rents in a wildly hot and increasing market (depending on exactly where it's at, but it's all going up in these places..).

That being said I have more faith in my community than to think we would be reduced to a Mad Max/wild west quality of life.

Weather is always the wild card with AG commodities.

Prices fluctuate wildly even for a 3 bed 1 bath ranch home in the Richmond area.

Sometimes these appraisals are inconsistent, defective or wildly inaccurate. 

This is a huge Truck building company is growing wild.

I did not spend 25 years building up a rental business from scratch to go wild for 2 years and risk losing it all. 

You want something in the side-drawer to mitigate the situation when you have a tenant escape into the wilds of the night leaving mayhem to greet you in the light of day.   

Obviously over the short run of one year the numbers can vary wildly.

To a California guy, that is a wild concept, I know - but it is fact.So, in my opinion, a  4plex makes more sense (more people paying rents) - and in Bakersfield, you'll have plenty of comps.To a lender, it won't matter 1-4 family is all the same.So think of performance ration - in a duplex, you are living in one, you tenant moves out - you are paying the whole boat.