In other words, there is no new supply in these lower price segements and demand keeps pushing up prices.The current trajectory will not last forever; the question is what will initiate a turn and how will that look like?

The biggest concern I have is that most individuals in my network will not be able to cover the whole $100K purchase......and I wonder about having 3-4-5 private loans and the costs/hassles associated with that.  4th lien position? 

In SFBA people pay $1 on the dollar hoping the stellar demand will push up the home prices even more.

It is the rare individual in the convenience-selling segment of the service industry who can recognize this tendency and stoutly resist acquiring it over time or allowing it to fester in the people who work for them.

In those area buildings can sit empty for a long time as businesses are not generally expanding in those areas.Small balance neighborhood retail is in high demand across the board.

Lots of new housing units came to market, increasing supply and thus lowering demand.

You can get higher rents than individual rooms in a house plus you aren't sharing the kitchen sink and bathrooms. 

You should be able to say that you demand your own personal representation. 

These are 5 separate address and each has its own individual parcel.

Obviously, high percentage credit cards are good to get rid of, but these other areas are up to individual desires and timelines.