Jimmy, base on your other posts, it seems like you’re quite antsy to buy and that you want to buy soon. There are part of Mira Mesa that’s holding up fine now but at the end of the day, it’s still Mira Mesa. So when the bottom hit, they will probably be all affected the same %. Many people on here don’t expect the housing market to hit bottom until 2011, which is 4 years away. If you save religiously for the next four years, you can easily down 30-50% of the most expensive house in Mira Mesa. Also, if no major disaster happen, your salary in 4 years will be higher than what it is now. Since you’re set on buying in Mira Mesa and based on your income, the thought of stretching shouldn’t even cross your mind.