Median house price in San Diego is around 300k. 700-800k is well into the move-up land. There’s no good reason why you – or any other young couple – should be able to buy a house for 700-800k with 10% down. The way to go is to buy a cheaper house, build up some equity, save money, invest, then, when you’re closer to 50, you can get a 800k house with 50% down.

A 300-400k house can be had with 10% down or even less.