Fireflybob:
A couple of questions.
(a) Is the built up area suitable for a forced landing after an engine failure?
(b) How many degrees of heading do you have to make to clear the built up area?
(c) Once you have changed heading to clear the built up area is it more suitable for a forced landing?
There is no great danger nor difficulty turning any aircraft below 500 feet above ground as long as you use a safe angle of bank and safe airspeed.
P.S.
CAUTION:
You should be high enough that you do not drag a wing on the ground during the turn.
Cat Driver: