What if I wait?

I'm in a singledualⓘSingle = one income earner. Dual = two or more. income household of looking in .

I earn $ a year, have $ saved, and my credit is select...Excellent (760+)Very good (725–759)Good (680–724)Fair (640–679)Below 640.

I pay $ in rent right now, $ in monthly debt payments, around select range...Under $800 (lean — lives with family or student)$800–$1,500 (basic single, no car, transit)$1,500–$2,500 (single with car OR couple, no kids)$2,500–$4,000 (couple with car OR small family)$4,000–$6,000 (family of 4–5)Over $6,000 (large family or high-cost lifestyle)ⓘIncludes food, transit/car, phone, internet, personal care, insurance, recreation, and miscellaneous. Sourced from Statistics Canada Survey of Household Spending 2023. in other monthly living expenses, and about select range...Under $150 (apartment, often included)$150–$250 (small place, basic usage)$250–$350 (typical Ontario home)$350–$500 (larger home or electric heat)Over $500 (big home, pool, all-electric) for hydro, gas, and water.

I'm thinking about waiting pick1 year2 years3 years5 years.