I get the reasoning for this opaqueness, I simply disagree, I think you could stand on your operational difference as a strength, because it can be, vs fear of negative connotations. 

SO yeah, negates the impact of such fear so saying don't get income producing assets in case of unemployment is actually backwards.

And any advice you find prevalent to my situation is much appreciated.

Congrats on getting over the fear to make your first offer. 

If it continues to have living expenses go up and up and focus only on tourists, I fear that the average worker won't be able to survive and therefore make it a very difficult small economy in general.So in all, as a local, I just don't see logically how the real estate can keep appreciating for much longer unless the living expenses stop hiking and lower and middle class workers are able to survive here, as that's what is the back bone of it all right now.

Only use it when you truly need it, but do not let fear stop you from utilizing a tool you pay for.

WE finance peoples deals and dont charge anything and just get paid for the Use of the money like any other investor.. thats the difference that I see as it relates to sharing information on BP>I agree though this hiding around the fact and the subliminal messaging that was really prevalent in years past..

The fear of that 45 days is much more psychological than it is real.  45 days from the closing of the sale is actually more like 3 months from going into contract for the sale to find your next property. 

We fear the requirements of a subdivision, such as roads will not only be extremely costly but also damage some of the hay ground.

Looking for a reasonably safe area as well that would attract better tenants.I looked at condos in Walnut Creek, San Jose, Santa Clara, Fremont, and Hayward as well (since only condos would be within my price range in these areas) but the fear of being in an HOA is what's pushing me toward SFH.