And you are getting cheap government money.

Plus, they are a horrible company... they are continually being sued and fined by the government.

The Thrift Savings Plan is, as far as I know, only available to federal government employees.

- Lawyers- Government feesAnything else that I'm missing?

Conventional loans are governed by Fannie Mae and Freddie Mac (if you recognize those names).  

@Amit M.While both cities share a similar size portion of jobs being located in a single industry (20-28%), the difference is that most people outside of that one industry can afford to buy a house here in Sacramento, and most people outside that one industry in the Bay Area cannot.The average government employee in California makes less than $60k per year (several thousand less than the median income for all of Sacramento). 

Did you check the electric panel to see if it's a Federal Pacific?  

On the downside, Trump has promised to "drain the swamp" which probably means the reduction in federal employment with the resulting population outflows from the area.

Personally, I've heard of some investor groups who are getting pushed out of the mobile home park business because they are seen as outsiders to the local government. 

Studying now to prepare yourself to start your business and at the same time answer all your own tenant questions.There is nothing more pathetic than a landlord too lazy (or too stupid) to learn the regulations governing their new business.