[quote=SDisGreat]…i rather buy a home for 260k w/o hoa fees then pay 200k and $415 a month…[/quote]
SDisGreat, have you ever checked out single-family homes in Chula Vista (91910)? Most of these $260K+ (asking price) properties are situated in very good, established neighborhoods with above-average size lots. Although 30 mins from USD and 45+ mins from UCSD in rush hour, The bulk of these 700-1200 sf homes have larger lots on peaceful blocks and are very well located one mile or less from the bayfront. Most are “cosmetic-fixers” needing “superficial” interior upgrading.
Of course, there are no Mello Roos or HOA’s involved with these properties.
SD Dtn commute is 11-18 mins depending on surface st/fwy taken.
Just a suggestion, not knowing where your employment is.