@Michael Zuber I don't see where you may have mentioned earn as high of an income as you can, The formula isn't to just spend as little disposable income as you can, As a Generation X kid, we were taught earn as much as you can and spend as little as possible. 

Over the 15 years, that same apt is now renting for $4,500 per month.If you do the math, He started to LOSE money if you considered his NET disposable Cash.

Long story short and after numerous phone call to my property management company,  advanced disposal (garbage company) and the city of Milwaukee the unlabeled dumpster  belongs to the city of Milwaukee but no one wants to take responsibility for it and move it off my property.

Once I sell my house and a few other things happen I should have roughly 300K at my disposal with zero debt however I still need a place to live.

Find the hungry young agent working in a team for an NRBA member and you may find a person willing to work their tail off to help you who has a wealth of help and knowledge at their disposal.

And in the vast majority of cases that compensation is provided by the seller.In what other professional services industry can you hire someone who is a legally obligated fiduciary, who puts tools and knowledge at your disposal, spends evenings and weekends showing you homes, writes any number of unsuccessful offers (in this market) on your behalf, and risks not getting paid a dime if their efforts do not deliver you a house you love enough to spend a third of your income on?

Windows computers are disposable, Mac's aren't. 

Water, sewage, garbage disposal included.  

I saw people spending all their disposable income on alcohol, cigarettes, and at the casino.

As someone mentioned above it takes the financing and the house or home availability to determine affordable housing.You the non Affordable house person control or was at your disposal:1.