Interesting, we are in VERY similar situations. I also looked at 4S because I work very close by, and it looks like I’ll be saying nyet. The MR was just too high and frankly the prices themselves are still a bit high. But frankly, all the relatively new homes in that whole general area are quite expensive, unless you go out to Ramona, Escondido, the shadier parts of Poway, or Mira Mesa.
Your budget looks fine – I did a very similar budget. But your Discretionary portion seems too small, and I’m not sure what Living means and why it’s so large.
Congrats on having 30% to put down. That’s pretty unusual unless you had a big score from something earlier.
