Gotta love that “throwing money away on rent” phylosophy. It has probly saved you tens if not hundreds of thousands of dollars in lost equity you would have taken by moving right now from just about anywhere in the country.

I dont know where you moved from, but if it was anywhere in CA,FL AZ, NV, the upper-midwest, or certain cities like St. Paul or Atlanta you should be thanking your lucky stars you were a renter. Either you wouldnt have that 200k DP, or you would still be where you use to be dreaming about the job that got away because you couldnt sell your house. Frame it in that context and renting is prob the single smartest thing you have done in the past few years.

Needless to say, I think your husband has the right idea.