Thanks Temeku, I appreciate the research and I agree with your opinions, so if they roast you, they will be roasting me too. Right or wrong this this next purchase will be my primary home with a miniumum stay of at least 6-7 years, probably much more so I look at it a little differently than I have with investment properties. I know what I want, where I want it and what I want to pay. For the past 12-18 months these things didn’t line up and I am just too stubborn to do anything other than a 20% down fixed loan that is under 28% of my monthly income. Just in the last month they are starting to line up with my income and downpayment numbers so hard part has started. Six months ago I told myself I would wait until prices hit a certain number and thought it would take a year or two but it is happening quicker than I guessed. Sure I will take more house than I really wanted or have even a lower payment. my next marker is PITI at 25% of my gross, but when that hits I will be here even more, using piggington as my alcoholics annonymous, giving me support to keep riding it out. At some point it will just be greed on my part and I think you will end up being correct, that 300-350 will probably be that point. Incidentally 300 is 4x median income for the zip code, which would be the low end of a historical graph, yet in line with 2003, seems possible.