Sorry, but a $1.2m house, including mortgage, taxes, insurance and the general cost of owning a home is not affordable to someone making 200k/yr, much less the

Sorry, but a $1.2m house, including mortgage, taxes, insurance and the general cost of owning a home is not affordable to someone making 200k/yr, much less the $180,000 down payment you are suggesting. That isn't to say it is impossible, but the house would own you.