### Comment:
California is way different, but we are competing with Chinese cash buyers. Won’t get into how shady those are, but a 3.5% down payment isn’t a small chunk of change when a decent house is $800,000.

### REPLY:
&gt;  Won’t get into how shady those are, but a 3.5% down payment isn’t a small chunk of change when a decent house is $800,000. 
  
 If you cannot comfortably come up with 3.5% you have NO BUSINESS buying a house.

### END.