Financially speaking, it would be best for you to rent in San Diego. I don’t understand the rush to catch a falling knife. It’s way too early IMHO to consider buying… you can easily afford to rent a nice place with your $80-$85K gross income. After 3 or 4 years your 200K will have grown, plus you may have added some savings along the way. More importantly, houses will be a lot cheaper then than now. You’ll also know the area much better than you do know, and you’ll have time to make your credit scores even higher. As an added bonus, you’d spare yourself from the headaches of owning. It’s a no-brainer!
