I am a buyer…Similar situation. Will put 30-40% down, traditional 30 year (maybe 15 year). I am “looking” but have no intention of buying anything unless I see something selling for what I see as “land value”. No rush on my part, rent a house in Bay Park and love it. Only issue is that the owner of my house bought it for $700k in ’05 and put another $50k in to it for a haphazard remodel (fine for renting but not buying). The house is 2000sf and wouldn’t sell for $600k today. He put 95% down so I am worried he might default or jack my rent up through the roof.