@Tera Mabe impressive resolve, way to get creative instead of succumbing to bloated contractor bids.

I've talked with agents who only have overseas clients as no American can even come close to the bloated bids those overseas clients are throwing out.Personally, if I had two Bay Area assets to my name, this is what I'd do:1.

Just bloated out there.Up here in western rural-ville, here's what I see between naps- my saved Zillow listings have more price drop alerts and longer DOM in general on all homes and small multis. 

Water is a big issue/drama in Longview.Housing prices are bloated right now. so just shoot for over 1% and your fine for now.

His FA has him in fee-bloated insurance products while he didn't know mmkts and tbills are paying  over 4%. 

When Chicago reduces its bloated, corrupt, government (starting with reducing the number of aldermen to 15, the same per capita as in New York City) and gets reasonably competent people up and down the ranks, sure, invest in Chicago and keep houses you inherit.

The market is so bloated right now, with interest rates already pushing 5% on rental property purchases, I can very reasonably see values soon leveling off or starting to drop as appetite dwindles.

Couple that with bloated inventory and two quarters of losses is feasible. 

Saratoga county is appealing because of good schools and lower taxes but housing prices are bloated and I think could be hit hard in the next downturn. 

Its gonna get worse I think, the theory was that if everyone was insured we wouldn't have to pay bloated prices to cover the uninsured, but I think what'll happen is that without any downward pressure on costs and us being forced to pay whatever they say, the cost of care will continue to rise and with everyone 'insured' the utilization is going to go up, which eventually has to be paid for through premiums.