This is not a good situation. Yelp is apparently paying well below market rates in a very expensive city. That is Yelp's problem to own and fix. However part of the problem is the Bay Area tends to very restrictive land use policies that effectively stop the building of more housing within many of the cities in the region. Either one is underwater in SF or one has a horrible commute. This has been a problem that has been festering for sometime now. Her only options are to find a better paying job, find a job in a cheaper area, or try to cut her expenses. I have no idea how realistic these options are for her as I am on the other side of the US.