Anyone own a rental property?

You are still young, other dream homes will present themselves, seeing as you like your present location, maybe set yourself a goal of making hefty principle payments for the next 4 years and pay down the balance to a manageable amount to qualify for a second property. 4 years is only 208 paychecks,48 electric bills, 4 tax seasons and one failed marriage away.<sarcasm>

I'm not telling you to abandon your dream, just approach it with a plan and not a spur of the moment "want" vs a "need".

A lot of folks have gotten their tit in a wringer chasing the "want"