<prompt> Human: I was looking at houses for sale in the bay area and theres nothing short of 800k. Do people really save 160k to make a down payment on a house? Even if you put down 20 that leaves you with a monthly mortgage cost of 4k? And if you factor in other monthly expenses... how do people do this?Is it just not sustainable to buy a house in the bay area unless youre filthy rich? Should I just rent for the rest of my life?  <response>: Its actually even harder than you think to get a house in the bay area because youre always competing with cash buyers. 