Gus, you’re in a very unique position in that your family could be the one establishing the risk, not absorbing it from others.  

You absolutely need to know who is going to rent from you, how much can they afford, do they need schools, medical care and so forth.  

The residents of her area are on a strict lockdown to where she cannot leave the house unless for medical emergency.

Del is unique for sure!

Biggest issue is how you fund medical care since that's probably THE biggest excuse for taxes (maybe after schools).As far as deficits go, Cali has every kind of tax and they are ALWAYS short of funds for stuff like schools. 

Your basing your trends on 17 years Of history but there have been very unique things that could have happened to Towns that did not occur in others.  

And it someone where to die or have a serious medical injury on your property the medical and attorney fees could easily climb above your umbrella policy.

We live in a unique place that doesn’t follow the standard rules you read about on these forums so just thought it’d be interesting to hear perspectives from others as there haven’t been a lot of recent local discussions re our market.

Professionally, I have been working in the medical field for the past 8 years, and I am finally at a point where I can shift focus to build a real estate portfolio.

To sell one unit you either need a legal subdivision to create either condos or fee simple 0' setback units utilizing the Planned Unit Development (or whatever it is locally) procedure...or in SF you have a very unique market in that TIC are more common ways of selling units without a subdivision.