movielover, sounds like you have your bases covered. So, no, you’re not crazy. I’m in the exact same boat as you actually. I want to buy, and am working w/ an agent to find that one “steal” where rent of a similar place would be the same as mortgage before and tax deduction. Until I get the price I want, I won’t be buying. It doesn’t hurt to keep an eye out now. A steal comes and go very quickly, so keep your eyes peeled.