In general, a physical or mental impairment includes hearing, mobility and visual impairments, chronic alcoholism, chronic mental illness, AIDS, AIDS Related Complex, and mental retardation that substantially limits one or more major life activities.

have a physical or mental disability that substantially limits one or more major life activities—including, but not limited to, hearing, mobility and visual impairments; chronic alcoholism (but only if it is being addressed through a recovery program); mental illness; mental retardation; being HIV-positive, having AIDS or AIDS-Related Complex

I have worked with many chronically homeless and mentally ill and this is exactly the problem I saw. 

I had the same problem with some of my units, where the tenants were chronically late on the rent. 

Tenant hadn't paid any Aug rent and previous owner told me he is a chronic late payer.

One house has been chronically behind, another two usually pay mid month (by arrangement).

It's a major city with a growing population, increasing foreign investment and a chronic lack of supply. 

---------------------------------------------------I agree with finding safe neighborhoods near the L, brian, but you have a chronic case of "northsiderism" and are missing the whole southwest side opportunity.

However, in the case of CA, they have been holding for decades ... there has been a chronic shortage of housing and the conditions that cause that are not likely to go away ... the weather is nice so lots of people want to live here (strong demand), the economy is diversified with high paying jobs (strong demand), you can't build into the ocean (limited supply), there are practically no empty buildable lots unless you go way inland (limited supply), environmental and strict building regulations make new construction difficult/costly (limited supply) ...