You may also want to think about school districts. If you really care and want some ofthe “best”, (e.g. DelMar, PUSD) you will have to sacrifice a lot in terms of house size/type. But it could be also a shorter commute (don’t know where u work). Or, you could buy a pretty nice house in a “lesser” school district for less money (but maybe longer commute?), and then when kids are of school age (in 5-6 years), sell and move in “better” districts. But it may not make sense to buy if you plan to be in it only 5-7 years. Better school districts keep the home values more stable. Just a thought.
I still think you are better off renting and saving.