the cons of this building is that it has tenants that are smoky and stayed there for long time, some of them are paying through government assistance which I really don't know if this would be a bad idea or what, the unit that might fit our growing family as we are now three and expecting a baby soon!

I am based in LA and work in the tech sector.

@Joseph M.Just to point out, areas of the central valley like Fresno and Bakersfield have historically always had higher unemployment rates because so much of the employment sector there is in agriculture.

Rents in relation to purchase prices are significantly better as you go closer toward DC, especially in Arlington with a large stream of young consultants supporting government technology projects.My cousin has been doing better in upstate NY buying an older duplex property for $130k with combined monthly rent of $1500.

I grew up in Illinois and have seen first hand how the government works there and its only going to get worse.

Keep in mind these are all retail MLO's who do government full doc loans.. 

There are low income people live on government handout.

I think long term government bonds could match or come very close to that.

That "average" includes medicare and government assistance.  

@Marcus Moore that’ll be governed by state specific laws related to heirs and probate.