Every poster has made a valid point but they are all missing the same thing that caused me to post yesterday.
The average Joe is not a Dr!!!! Affordability for J6P is the issue that got us here. If J6P only has a median HHI of Sub 70K where do you think they are going to come up with the downpayment on a 400K house???!!!??? Where??!!
A lot of the posters here are extremely myopic about this issue and need to open their freaking eyes.