A first-time buyer (“FTB”) or “former homedebtor in recovery” could possibly get an accepted offer on a single family home in SD County for $350K to $400K. It may be smallish (1000-1400 sf) and may need a little work for habitability, but nonetheless, it is located in SD County vs. RIV County. There is a HUGE difference between the two counties (in the absence of considering age and condition of a SFR listing).
