I think u r readyy to get your own roof when :

1. U've saved about 20% of the total purchase price and you salary today can afford the installments.

2. U've set an exit point

3. U've did your study and 100% convinced that u r buying not above market price and there's no other investment today can give u a better run for your $$$$$.

4. U like the place and u dont mind staying in it if s*it happens

chief,

had the fella chosse to spent that 350k on a basic BU/TTDI DS 5-10 years ago, he would be sitting on a nice pile of $$$$$ today. Location is the key.

Its his ignorance that made him lose $$$$$, not the house itslef