So you don't have a family and you want a house? Go find a sweet apartment or townhouse and let the equity build until you've got a family going. That may be a bit judge-y but come on, not everyone can/should live in a detached home.
EDIT: I'm assuming that's an option. Does the Bay Area have condos or is that one of the dumb zoning things y'all got going on?
EDIT: I'm assuming that's an option. Does the Bay Area have condos or is that one of the dumb zoning things y'all got going on?