Although Dave Del Gotto name is Del Dotto  now successful vintner in the Napa Valley.. 

., particularly in the Verde Valley and Sonoita areas.

The valley is growing so much, so there is definitely a lot of information to digest. 

It is on the animas river and rather secluded.

REI is a river, always moving, adjusting, twisting and turning.

Worth - 10.9%Chicago - 10.8%Silicon Valley - 8.3%Phoenix - 7.0%Atlanta - 6.1%Hillsboro - 5.1%New York / Tri-State - 3.7%

Most condos in the valley are not FHA approved.

Quote from @River Sava: Hey Steele - While some lenders may offer 80% LTV, it's typically a more challenging qualification process, so just keep that in mind.

I live in the SF Bay Area and have decided to buy my first single-family home.I fully acknowledge and recognize that the SF Bay Area and California (in general) may have some of the worst cash flow numbers in the entire country.I've already traveled to cheaper Midwestern states to look at real estate opportunities, but have decided to invest here in the SF Bay Area as I'm purchasing with the intention of living in it first and foremost, and then renting it out sometime in the near future when I move overseas.I'm looking for anywhere in the Greater Bay Area/Northern California region (even Sacramento & Central Valley is okay) with better than average purchase price to rent ratio, and some appreciation (if possible). 

You go to one peak and look down at the next valley which is lower then the peak but still higher than where you started from.