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Housing, whether renting or "owning", should be viewed properly as an unavoidable cost center; never an investment, but a liability, like a vehicle.

Choose the arrangement that makes sense for you and your family's needs. Avoid vanity. Focus on the essential utility. All things are tools.

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Children change things.

Before I was comfortable sleeping under the stars.

Now I need a safe neighborhood, 4 bdr, 3baths, on a dead end st. Preferably in a place with other families in the same stage of life.

And a jet ski.

Because a jet ski in your 30's is worth more than a yacht in your 60's.

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Housing for your household I understand, but the jetski sounds like a luxury more than a utility.

Recreation in whichever form you choose is not a luxury. You deserve to be happy. You deserve to have fun.