You might just have to move out of the city, things get way cheaper when you go rural, plus it opens you up for usda loans.

They’re for rural areas and they will put down 100% of your down payment, but your credit score has to be right and you have to find a nice house, like really nice.

The one I am about to buy was approved for a usda loan, until they found out that 1 corner of the crawlspace was technically in a 1 in a 100 year flood zone.

If that doesn’t work you can try fha, their guidelines are a little more lax, but you have to put 3.5% down.

That’s what I am using and I know that my rent for the next 30 years is fixed until my mortgage insurance falls off.

That is with no adjustment for inflation either.

So if shit spikes again, at least my rent effectively got cheaper.🤣😂😞😢