Here is another advice. If you can't afford buying a house in Bay Area, and you need the extra cash, you may consider buying a house in Southern part of the country. It is usually about $50,000 - $100,000. Then you can rent out to college students for $300 - $500 a month. When I go to Lake George I rent a house for a few days. The owner is actually from NJ, and he just hire a contractor to look after the property on a periodic basis (maybe $1000 a month for several properties).

Imagine you get $3000 a month for a $60,000 plus $1000 to have someone manage your house on a regular basis. You get back your investment in 3 years. Let's be realistic too. How about in 8 years? Now you have a steady income $2000-$3000 a month. That's a nice bonus to your annual income.

Can you afford buying Apple stock and hope to make $500 a month with the stock is already so high? Every month you are paying more and more to cover more share. You will realize you are not making anything. Buy low-price stocks that will take off instead.

Finally, when you need $200,000 for whatever emergency, you can refinance from the bank. Can you do this from your stock investment which again has very low return? I know people who make several thousands a month but these are rare. Housing isn't. If buying property can't generate revenue, no one would be buying property and renting out. There is a reason why the property market is so expensive now, because owning a piece of land == sell high. We bought the house here for half a million, and if I actually sell it right now to build a condo I could get back my investment in 10 years or less (or sell it directly to someone).