nsr that is not the problem… she knows, understands and accepts the cycle. She doesn’t care at all for tract homes . Her logic is that it is the home we will be in until the kids are out of high school (and they are 2 and 1 respectively) and it is more of a lifestyle choice. Thus we would be able to outlast the cycle and be able to live within our means as we have diligently saved cash. The submarket we are searching in is small, we want a big lot and don’t like neighbors on top of us…old Scripps (and even in Old Scripps just a few select streets that are not busier or backing to Pomerado), and it will come down, maybe as much as the bears think, maybe not. She doesn’t really care.