Which part of the Bay Area do they represent? This sounds unusually high to me. What I see more of is people just moving or planning to move back into their parents’ homes when they have kids and doing some ADUs, expansions to accommodate.
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Why wouldn’t you re-mortgage your paid-for home based on its current market value given the ability to write off the interest, and a fixed tax burden, and a ~guarantee of continued asset appreciation? It’s basically free money.
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For the current all cash price of a Bay Area home or just the down payment?
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