We all know San Francisco isn't exactly the most affordable of cities. That's why so many foolish people commute here from Fremont, Petaluma, and even Tracy. Hell, it's probably cheaper to take Southwest from LAX than to pay an SF mortgage. But if you're a budding entrepreneur looking to own a swank, Founders Fund-worthy loft, now might be your chance. Bay Area foreclosures surged 482.5 percent to 4,573 this past quarter. And if you don't want to buy, you can still indulge in a little padenfreude.

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