barnaby33, you’re not seeing me defending my decision. I really don’t need to defend my decision since it’s my money I’m spending. All I’m trying to do is present the other point of view. I don’t like the idea of saying price will go to $x w/out saying what rates will be at when $x occur. $x and y% in rate will determine affordability. Either one of those 2 variable will make a home unaffordable.