Until I can afford a down payment [in a location I like] you can put up as many carrots as you want, I still can't cough up the dough to even think about them.
Look into FHA loans. You can have a pretty low down payment.
Thanks for the suggestion, but I don't think "low" applies to anything housing related in San Francisco. And yes there are cheaper locations, but at that point I might as well move back to Slovenia and buy a gigantic luxury condo for 300k.
You still have to pay insurance on the mortgage with those though.