I don't dispute that Bay Area housing is very expensive, and there are plenty of issue it needs to address, but this person seems so have made a personal choice

I don't dispute that Bay Area housing is very expensive, and there are plenty of issue it needs to address, but this person seems so have made a personal choice to have that commute, which I commend if thats the lifestyle she wants. Perhaps her personal circumstances didn't allow for it (Or she chose not to, which is fine too), but a home can be purchased for as little as 3.5% down (FHA) + closing costs. For someone with an 81K salary, their borrowing limit is around ~460k (@43% FHA DTI Limit [1]), and in 2014 (When the person in the article was evicted) there were plenty of homes in that price range in the East Bay. That DTI won't be easy, but neither is a 6-8hr daily commute. In fact, there are homes/condos right now [2] still in that price range. The crisis is for those making the median household income of say, 52.9K in Oakland, thats the income where one is basically shut out of the housing market. [1] https://www.fha.com/fha_requirements_debt https://www.fha.com/fha_requirements_debt [2] https://www.redfin.com/city/13654/CA/Oakland/filter/property-type=house+condo+townhouse,min-price=100k,max-price=400k,viewport=37.93869:37.57279:-121.89166:-122.579,no-outline https://www.redfin.com/city/13654/CA/Oakland/filter/property...