<prompt> Human: Say I just started making 70k per year and Im under 30 years old. I want an ocean view house somewhere in the Huntington Beach area. Most houses that Im looking at in this area range from about a half a million up to a million dollars. Can I afford this and what steps will I have to take to achieve this?Would a 30 year mortgage be smart? If so, how much would I have to pay per month on it, if the house cost say 750k total?What percent would I have to pay to the bank as a down payment? Would it have to be 20 or could I get away with something like 5?And lastly, if my 70k salary is not enough for this, what is the absolute maximum priced house I could afford?  <response>: Only if that beach house is actually located in rural South Dakota. 