We want to hear the precise reason why you purchased and your exact thought process every step of the way when you took out new loans. You have no problem digging into others reasons and situations in excruciating detail so please do the same or stop asking others to do so.
It doesnt matter that other parts of Chula Vista got hit harder. Yours got pummelled also. Again if you wanted an adequate home to raise your kids you could have rented one. You surely must have other motives you are not admitting to. At some point you bought into the same herd mentality as the author of the article.
And please dont write a book, its just a figure of speech.