Your budget seems fine to me. It’s just, you’re looking at a more higher end area than you’re willing to pay. If you’re talking $490k w/out HOA/MR, and you want 4S Ranch, then to have similar monthly payment, you have to get them for high $300k. That’s a good ~30% drop from where it is today. I think most people are much less conservative than you, which is why you probably can’t compete for 4S at that size and price. Are you fixed on 4S?
