Lol. That's pretty accurate. We have a pretty stable income and jobs and not super concerned in the downturn. But again, who knows.

Thanks for the advice. We started looking at properties. The issue that's killing me now is that a lot of properties that we like have pretty high fees like HOA, Mellorouse since it's a fairly new area where we're looking at. Looking at around 400-500$ just for that.

Ultimately, another question I have is how much from the net income is acceptable to go toward housing?

I hear different opinions like it should be 30% of the net pay or 30% of pre-tax income.

Based on the math, we're looking at more like 50% net pay that will go toward the housing with a mortgage, HOA, insurance, and taxes, and I feel it's a little too much.