Thanks, SDR. I know 4s Ranch, the lot is small. and as far as Carmel Valley, I thought properties are over my range, price wise. It should be over 80s. I have heard for new development in Carmel Valley, people are on the waiting list for 2 years from now. Not sure of La Costa Valley, which school district does it belong to? Any properties on the market now? Just want to have an idea what the neighborhood looks like.and forgot to mention my situation. I am Not a first-time buyer, so when you mention depreciation, I hope it is Not general, just for distressed home owners?