So just for reference governments and banks and many other smart people got scammed by the horrible loans put together and sold which crashed in 2008.

@Katie Tran I have owned a place in Santa Ana since 2008 crash and I just learn how to deal with all this Rent Control mess in California. 

If the market does crash soon, do you have any extra capital to buy again?

Then, the Market Crashed and recovered again to Double the property values.

Purchase price: $118,000 Cash invested: $118,000 This was my first deal, which I bought right when the market crashed, so I think I got really lucky.

To slow and the market could crash.

This property, before the crash in 2006, sold for its highest dollar amount ever, which was $155k. 

Although whoever is selling you the MF, he/she will be very happy :-)Your biggest risk is actually not from the low rent-to-value ratio but if there's a sudden economic crash or meltdown like in 2008, where bay area house price is heavily reduced and end up at foreclosure. 

Soaring means rising, you mean crashing.

Then, when the crash hits, remember where you buried the $1M, and hid the Gold....and don't tell anyone else about it.