My full time gig is a HS math teacher and wrestling coach.

Places where teachers, cops, and people with similar incomes and attitudes live.

I hear stories of police officers and school teachers no longer able to live in these high-priced urban areas.Cities are grappling with how to deal with the homeless (Google "homeless bussing").

They know they play to win, so they rest as is needed to enable that.Finally, the solider trains and rests in a way to build the skills necessary to thrive during wartime. 

I know your question was in regards to conventional, but there are several other avenues with various requirements that could enable you to get a loan with down payment <5%.

I had about 30k in student loan debt.Took a few years of payments and paid off about 2-3k.Took advantage of a federal teacher loan forgiveness program - I teach math in a title 1 school.

Experience really is the best teacher.

Brookfield’s new fund, for example, purchased the two-thirds stake in mall giant GGP Inc. that Brookfield didn’t already own.Brookfield’s scale enables it to get returns “you simply can’t get if you’re an individual investor buying an individual mall,” said Brian Kingston, chief executive of Brookfield’s real-estate arm.Blackstone’s global co-head of real estate, Kenneth Caplan, who declined to comment on the fundraising, said markets are fickle and whether or not there are opportunities to buy “can change pretty quickly.”Some funds are setting less ambitious fundraising targets.

One thing that I learned (which is nothing new) was that just taking action, making mistakes (within reason and with proper decision), learning from those mistakes and to keep on going, was the best teacher for me.

My tenants are a high school teacher and a nurse, they keep trying to get me to sell to them but I’m not quite there yet :)Also there are a ton of homes with detached garages and with the new SB 13 bill that just went into effect it’s much easier to turn one of those garages into an ADU which could be rented out while you live in the main house.Feel free to message me if you have any specific questions about Bixby Knolls!