Hybrid plan to FLU’s recommendation. I dont expect to see Saratoga around 600’s but my advice is to take matters into your own hands and spend the next 2 to 3 putting yourself in the position to suceed whatever happens. Prices arent going up dramatically anytime soon. Stay in your 4S townhome and save as much as you can. Alot can change in your lives in 2 to 3 years and have a big down and reserves is a great place to be.

BTW, I’ve seen and actually sold SFR in CV for around 600K in Sausalito. The are detached condo’s but its a quiet neighborhood a short walk to a great school and they have small yards.