How about developer trying to pool two high incomes together to make mortgage every month after obliterating years of savings on a down payment, versus one that

How about developer trying to pool two high incomes together to make mortgage every month after obliterating years of savings on a down payment, versus one that can easily afford to buy a house with whatever amenities one wants including an easy commute putting 20% down (less than a year's savings) and paying less than 40% of the take home pay per month? The second option is a true story of me here in Chicago.