It just depends on what your expectations are.Realistically could you expect to house hack and have your mortgage payments be lower than renting?  

Also be aware that most immigrants (adult immigrants at least) will have a much lower score than a comparable citizen due to a much shorter than average credit history. 

Since I am not a licensed real estate agent I search for comps using the filters on real estate websites that show only recently sold properties.ÃÂ Which tools are you using to find comps if you don't have access to the MLS?

If you sell before they are reassessed you will have a harder time competing with similar listing with lower taxes.  

I am no expert, but what I do not see in San Diego is how we get from the present extremely low inventory levels (especially on the coast and the lower priced $800k and below market) to an excess inventory level which I believe would have to be a precursor to any significant price drop.

Starting out on the multifamily side, I suggest that you have a look at C or lower B class properties (workforce housing).

You don't have access to the real MLS, and the sites you have access to are usually behind.  

I plan to pay off the mortgage and cancel the Flood to lower the costs to a minimum.

The reason for these increases in both appreciation and rents is a massive migration of the middle and lower class from the Bay Area.

Looking to dive into buy and holding rentals with lower risk rehabs, that offer upside in pricing flexibility.