You should leverage yourself to the maximum that you can still maintain your sanity (some people can't sleep and it affects their mental health when they carry too much debt), and you can still survive downturns in the economy to avoid bankruptcy.

Economic Update(Monday, September 14, 2020)A majority of Los Angeles households face serious financial problems due to the COVID-19 pandemic, with Latinos and Black residents bearing the brunt of the economic pain, according to a new poll conducted by the Robert Wood Johnson Foundation for the Harvard School of Public Health.

#BRRRR #orangecounty Generally it must be a complete and livable home that does not have any obvious health or safety hazards, assuming you want a good Fannie Mae type loan.You may be able to get a listing agent on a "cash offers only" to budge a bit and go for an offer backed by a hard money lender, but if that listing agent already has that mindset then they will not go for an offer backed by a Fannie type loan.

California always has had higher cost of living which has been supported by its status of the “Golden State”, land of umpteen opportunity for wealth creation, Job creation and business creation making it the fifth largest economy in the world.

My mistake, I thought that the status quo was to split the 6% between seller and buyer in Socal due to market. 

I also had to account for items such as health care, no social security or 401k matching, etc. 

You probably wouldn’t take health advice from a heavy smoker and drinker...

The health care seems nice though.What changes do you see in the future, if any?

Many young health care professionals like to rent in the surrounding communities.

In 2018 I had a major health crisis and almost didn't survive the year.