Pick any home for sale in the Bay Area, and ZeroDown will buy it with cash. You'll move into your ZeroDown Home fast and debt-free. You don't need a down payment. With each rent check, build up purchase-credits that can be used to buy the home later on.
THIS budget calculator, my friends, is loaded with features. Depending on how you think about budgeting for a home, this calculator has an option that matches your brain. Then it recommends properties in your area and in your budget for each scenario.