You are not alone csr_sd. I am pretty much in the same boat. I have a career and a small business, my wife has two small businesses, we save as much as we can, yet we still have not been able to buy the home we want due to pricing. We are also saving as much as we can but it still seems like we are just as far behind the market as we were last year and it is super frustrating. I have submitted some lowball offers over the past year, and one very recently but none of them were accepted. All I can say is try to hang in there. I don’t think anyone will provide the spreadsheet you want because the numbers do not play out given the income you have stated above. There are however families that have two wage earners, where each of them pulls in 6 figure incomes AND they have money saved up for a nice downpayment. So for those families, it does pencil out much better.
