As a younger person, I think growth will start bouncing south of downtown and in a few years when all of the highways are clogged, living in the far north will suck. 

I lived across from Lake Merritt for few weeks and that area is fairly okayish since it provides direct access to the highway. 

It may not be as much as mortgage loans, but the combination of outstanding student loans auto loans is a staggering amount.

A $500K RE unit price to rent ratio of 1% could be outstanding (purchase).

Residential housing is not too likely due to the proximity to the highway and the associated road noise.

Paying off outstanding debt raises your credit score I have been told.

They charge a flat fee upfront, and as much as we were against it at first their outstanding performance set our mind at ease.

Little do they know, you'll be running this town in a few years.We all owe you for elevating our efforts with your outstanding example, wit, and energy.  

Nearly 20 acres right on busy highway just outside (1 mile) major metro area with military base, casino, shopping and large manufacturers.

So I bought this big Victorian for 12,000 sold for 28,000 and share equity with the previous owner. 30 years later I drove up to that house on 101 highway in calif and it is still there and just beautiful the people that own it have spent years restoring it.