I'm not some mega rich investor who has 100 doors or flips 10-20 deals a months either.

The next trades are oil producers, defense stocks, and mega cap tech after their reckoning. 

SB County allows for one primary residence, an ADU, and a junior ADU on a parcel of land.

Many Multi-family properties now in debt service trouble as the GPs took out very risky 2-3 yr floating rate or adjustable loans so they could cash flow after buying very expensive 3Cap apartments, which loans have gone from 1.5% to 5% or higher, and knowing that obvious and predictable risk since every primate could see mega-inflation coming in early 2021 due to more money printed in 2 yrs than first 200 yrs of country, They "smartly" took out Rate Cap insurance, (cost 50k for a 12 month policy on 10mil loan to cap variable insurance rise about 1-1.5% above the origination level) but now that US 10yr up 10x from 0.31 in 3/2020 to 4.2%, that same insurance policy is 1.5-2.0 million not 50K, so They can't cover the much higher debt service nor buy new cap insurance without shutting down distributions or capital calls.

I’ve used SB One bank, Vally Bank and I just refinanced a 2 and 3 family this year with Statebridge.

When we came back (4-5 months later) there was a mega- roach infestataion.

I have used a product from Do my own pest control called Brigand SB.

.- - -Bro: <Comes up from his basement unit at home because he hasn't nailed his first mega-deal yet.

But there has to be some upper limit on medical costs in the US especially that outcomes at a broad level are not really improving given the headwinds of obesity etc, even if you can make a tenuous case for better outcomes in a given cancer (I spent hours researching this recently).Young doctors will get themselves into mega debt to go to medical school if there is the promise of making it back through the high pay specialities.

My 2 cents to the mix would be The ADU is the only way so far [SB 9 and 10 not withstanding] - You should be able to take the SFR and do an attached JADU up to 500 sq ft, then you can [lot size permitting and every city has its own code so do some research] another detached or even attached regular ADU - and as long as you live there as owner occupied you can live in the SFR part, rent out the ADU and JADU- the twist we do is to rent out 30+ days as a furnished rental.