Actually, A_A, what is your definition of ‘imploding’?
I agree with PerryChase that we are, at the very least, a year away from an implosion by any definition.
Be patient, save up, improve your credit score and (most importantly) make sure you have a stable source of income, if you need it. SD county is way over-dependent on the RE-RE-RE’s (real estate, retail and related industries).