>>laidof+lP
You need to move, yesterday. Yes, moving sucks. No, ideally you wouldn't have to. But at the end of the day you are just plain shooting yourself in the foot if you continue to live in a place that absurdly expensive.
Like dude, you could buy an awesome house in just about any other part of the country if you truly have $1m in liquid wealth. You have options to own a house, you just have to act on them.