There is still the basic problem here, It takes about 250K a year income to buy a 600K – 800K house if you ever plan on paying it off anyway. (unless you bring a lot $ to the table of course). No amount of band aids is going to change that. 20% raises anyone ????

Nor-LA-Temcu-SD-Guy, Sorry, I should have started this thread as off-topic. Because, I was more concerned about the stock market instead of the housing market.  I don't care about housing right now, because it's not where the opportunity is right now. Trying to figure out how to take advantage of this volatility in the stock market these days.