Dude. Thinking is good. Overthinking is not so good. Just buy a house. There are great deals now and rates are low. Or wait until Fall like most of us.
Sure there is plenty to debate regarding renting or purchasing a home. That’s another topic.
You said you really want to purchase a home. Do it. I made a ton of money selling my LCV home purchased in 2000. Great tax write offs. Landscaped how I liked it and not have to deal with a landlord.
I am 56 and plan to buy a home in Escondido-Bonsall-Vista with land and views. Getting a 15-year loan and plan to hammer it down in half that time. Then live in it forever.
It’s all about deciding what you really want and doing it. Keep asking questions and checking your heart for what you and your family want. Write out the pros and cons.
