No problem. I think we're both thinking the same things, just a little complicated to get across on a forum.
We put significant down money on the house. Our payment is not close to that.
You hit the nail on the head though in that you have to be at a place to have a fair shot at getting a job there. But then, that's a scary thing to do too. But what company wants to hear in an interview that it'll take a month or two for you to relocate. If it's a good job, they need you NOW.
No easy answers. Being thorough in our research and forming a gameplan is about the best any can do. And you are.