I'll throw out a question:
If homeownership is an eventual, but not immediate, goal how do you balance your retirement and downpayment savings?
I've grappled with the question and have found it challenging to weigh the various options. Since the downpayment savings are kept in lower risk investments, I hate the idea of sitting on too big a pile when I'm still farther away from purchasing. But at the same time it will take some years to build up a downpayment of the desired size.