Rules for qualifying are that you get out of all payments before you buy and then load up afterwards because you’re IN!
In 1990 I moved from the midwest and a 9 buck an hour job to San Diego and lived in a North Park 1 bedroom. It sucked but I got rid of the payments and was in a house within a year. Then I bought all the toys. San Diego rules are the real estate pays for the toys. It’s always been that way….just don’t get caught when the music stops.