You’re buying at 58% off peak, so in a sense your 20% down payment is really (drum roll) … an 8.4% down payment relative to peak! 🙂
Seriously though, there’s no such thing as a perfect house, nor is there any such thing as a house without problems. Just buy the frickin’ house and enjoy it. If you must, draw a big amortization chart on one of the interior garage walls, plot the balance of the principal each time you make a payment, and watch your equity grow.
And about the beach … look at resale timeshares. Some let you use the common facilities year-round.
