re: What would you do if you were me?

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What's retarded is throwing money at an apartment complex and not owning anything. It's like burning money. At least with a house/condo you might see your money back.

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Not as "retarded" as you think.

You can get your arse handed to you if you have to sell your house in a pinch to move jobs etc which could be 20-30 months rent even on a cheap house. Hell, not to mention if the market crashes out of your favor.

It's a nice stationary asset but at 22, its not that big of a deal paying rent. I'm 26 and don't plan on owning anything until at the very least 28 and I would really only consider buying a townhouse that has 2 units so I could use the other side's rent to pay the mortgage.

Selling houses can be a bitch and its a nice head ache not to have that is worth paying rent for.

In my field there's shite tons of opportunities to move careers/companies so I expect to do that for a while before wanting to own anything.

You're a much more attractive prospective employee btw when you tell them you "rent" when they ask about your re-lo. Companies get their asses handed to them helping people sell houses and they try to avoid it.