These aren't market based reserves, these are fixed income to help survive these 2-4 more deep lows you'll face in your life.

I hope everyone survived the crazy winds the past two weeks!

For example in our area typical good SF is approaching 2 mil, but we have couple educator family with income of 50-60k is still able to survive in the area thanks to real estate from their parents.

Broadly speaking, no house will survive from a direct hit from a tornado.  

There may still be other encumbrances (judgments, priority mortgages, taxes, or liens) that survive the sale.

but that's how far out I am trying to lookI remain bullish on the US as a whole true, thing is we can't predict more than 2-3 years from now. so we can't sa what happen in 30 years, if their economy is continue rising and they accept more immigration home price keep going up.in 2020 we thought the covid would bring everything down, but covid actually bring everything up lolalso asia is extremely different than US, overthere, everyone is more cautious about money so they would chase real estate like crazy, especially in very limited constrained land like in seoul or busan (jeju maybe different lol).i am actually three times more bullish for south korea home price than detroit+indianapolis+denver real estate combined because south korea has the real economic productivity, unlike the old USA that only can print money to survive lol

As long as the deal is structured conservatively to survive the inevitable downturns...the price after a downturn ends will be higher.

Please note, none of us have any idea what is going to happen but every investor should look at certain scenarios to see how that would impact their portfolio. easy, every smart guy moving from equity investment to debt investment like that's what happened these days but it's dangerous too when everyone is chasing "Chris investment model" LOLwith today's interest, only Nvidia and some tech can survive, Chris, most business in America is started dying anyway....

More buyers will come into the market, which will end up bailing out those who are close to foreclosure, but just need to survive till their properties purchased.  

Spent $5,000 to $10,000 for an off the shelf asset protection “system” that doesn’t work in real life; $10,000- - $30,000 for individual planning by asset protection law firms that also doesn’t work, or spend $50,000 on up for true asset planning protection by the few attorneys who have the expertise and experience necessary to come up with a plan that has a reasonable shot at surviving creditor attack.For most the basics will get you where you need to be.