Here's a tip: move to Austin.
1) No state income tax. Read that again. 2) Cost of living is at least HALF of SF/SV/NYC 3) Real estate is actually affordable, even close in.
Now, I know there is the argument for needing to be in SF/SV for startups and tech, but Austin is a hotbed of tech activity and with more and more companies allowing remote work, it's worth a shot.