Just wondering how a 26 y/o has $110,000 savings, zero debt, excellent credit, secure $100,000+ job, fully funding 401k? If this is true, I’d say save your money and let the market go stagnant or down a bit. In a few years you may find a significant other with similar economic situation, then you’d have the option of having a $1,000,000+ home in a location of San Diego like Carmel Valley, etc. Even if you want to do this all on your own, with your income and a few years savings you could set your sights on a location such as Scripps Ranch.