@Zachary BellinghausenWhats the rental market like out there now and how closely is your rental cycle tied to the academic year?

I'm sure Chopra will be handled by the proper authorities if you fill proof of your loss.

The general idea is cash flow is a hedge against the risk of real estate cycles.

Are they trending in that direction more intensely or less intensely than previous years (or market cycles)?

So, though we do appear to be nearing the top of this cycle, a new cycle will begin and more than likely bring values up above the current level over time, if history is any indication. https://fred.stlouisfed.org/series/MSPUSIf you buy in cash and values go down, that's money down the drain until the value goes back up.

They have provided proof of income, proof of disability, drivers license's, 401k statements, etc and so far EVERYTHING has checked out.

Your goals will define your allocation, but I would recommend being careful if you get to the point of "I have to put all my money in X" When that class is down, it's hard to ride through the cycle.

You will want proof of delivery as well. 

Granted, the Bay Area is not recession proof and will have its fair share of dips and blips - but the forces driving it are far from standard, requiring an evolving perspective and altogether informed investor type.Lots of people believe the San Francisco Bay Area and the term "speculation" are one and the same - this only goes to show the depth of understanding those people have for the market and its driving forces.

If you did not send it certified mail you may need proof of when you gave notice.