My spouse and I are both 28 yrs old, we don't have any kids right now. 2 million seems crazy for our first home, but as per several mortgage calculators it seems to be "comfortable" (~24% debt to income ratio). How much should we really spend on the house (in bay area)?
Combined TC: 650K
Assets (outside 401k): 1.2 million
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You're recommending not buying condo/townhouse which I also agree with, but then can we really get a SFH for <2m?