At least you have to produce a W2 with 80% LTV.I think the next collapse will be due to the Fiat currency devaluation.

Or the other way around the devaluation of currency.

So the county has kind of devalued things in my opinion because of zoning changes.From the County Website:If a multifamily or qualifying mixed-use building exists or is planned for this parcel, the following ADU's are allowed: Detached ADU's: At least one and up to two detached ADUs, 800-1200 sf dependent on FAR and lot coverage.If a single family dwelling exists or is planned for this parcel, an ADU and JADU may be allowed, subject to approval for a non conforming use.Even though only one unit is allowed and a single family exists it seems we can't do 2 detached ADUs like what would be allowed with a multifamily building ?

I remember the last recession how much the commute traffic in the Bay Area went down because a lot of people lost their jobs.If my properties took a 30% devaluation.

I don't like having to pay the HOA for no equity return, special assessments are a worry, and I find they have weird appreciation/devaluation. 

I just paid $1.75 per sq foot labor & materials for a full refinish, 3 coats of varnish and buff with shoe molding.If you go with laminate, after labor you'll be looking at right around the same price and de-valued your house...

I am seeing several big name lenders get sued for excessive rates, devaluing properties and putting borrowers in a worse position.

We are leaning away from the house given the risk and also how this de-values the house if we wanted to sell in the future. 

As well, you would also want to draw up an agreement that prevents any form of long term rentals because that completely devalues your property. 

Inflation devalues savings just as much as debt.You are probably selling because you don't like dealing with thenants anymore.