I’ve completely abandoned the idea of home ownership in the bay area once I looked further into it. Even looking at paying all at once, which I wouldn’t do, the total monthly payment is beyond not worth it; especially since I barely even want a house itself. Ill do nice conservative investments elsewhere that Ill feel more comfortable with and not be stuck with something where I can’t even realize the gains anyway.
Right now, I’m selfishly happy about this because I’m busy and don’t want to put together the whole plan just yet and it’s easy money.
edit: oh and then there’s the insurance issue now