4s sucks, I have no idea why people like that place other than that it is newer. UTC will hold up better long term due to UCSD/La Jolla location (not that I like it any better).
I’d wait a few more months to see how things play out. besides, a crummy detached 1500 sq ft home in clairmont with a dirt front yard and a wrecked car in your neighbors front yard should be easily had with that amount given all the tapped out tweekers that will be in foreclosure soon.