Eventually, the affordability gap will close as prices here moderate and hopefully our state government can come up with some insurance crisis solutions.

It’s not like buying a Federal government bond.  

But this space is changing rapidly and in jurisdictions like San Jose where housing is scare, expensive and government entities are motivated to do something about it, I predict we'll see appreciation and other key metrics play out in favor of properties with ADUs in the near future.

Empires are tough to acquire and tougher to govern.

The government for my tenant is paying the full rent amount due to low income.

Or, is it smart to have your job, all your real estate, stocks and everything in one single country and at the whim of a single government?

Nope..... people will argue day n night how "Duh, the Government pays for that dummy, not us.....". 

I am not an expert in Tallahassee but most of thee draw is state government and FSU. 

Look into Government and Local Programs: Check if you qualify for SBA or local economic development programs that offer lower-rate refinancing options.4.

Our government and Federal Reserve must let our economy free fall so our free economy system will self correct.