I clearly understand that the area is flushed with wealth, but I just can't imagine how this is sustainable

One of our longer term goals is to start non profit and create a self-sustainable community for people with special needs :D 

However, we know this is not sustainable, as he will not seek help for the root cause, which we believe is mental illness.

I still don't understand why you're still so insistent on the debt thing -- your comment "less debt enables you to help others" really doesn't resonate with me (nor does it make mathematical sense).If I have a $10M net-worth with $1M in debt and you have a $1000 net worth with no debt, who is in a better position to help people?

If you stick with it you may find something that resonates with you.

I realize that continuous transactions are not sustainable (in terms of continuing to work for money as opposed to passive income) and I am getting started in multifamily investing (on the commercial side of 5+ units).My dilemma is a common one that I think many would be investors face here in the Bay Area, specifically, San Jose/Silicon Valley.

Also speak with these coaches, and then make a decision based on whether their philosophy resonates with you and based on what the feedback received from their students.  

There is a chance they could qualify for a modification if thier combined income is not sufficient to sustain the property.

And the place smelled like a German Shepherd.What you're saying about your market resonates with me.

Similar to the downturns in property we saw in California back in the day. 2000 being one example.Nationally, I do agree that I don't see a significant downturn in property values or rental rates, at least  not a sustained one.