Something about being in your 30s just gets your clock ticking. No, not your biological clock. Your homeownership clock… There’s only one problem: In this crazy-hot real estate market, neither of us can afford it on our own. You see—despite living within the orbit of Silicon Valley’s “Man Jose”—we’re both single. But why should we single millennials be penalized for not having the dual income needed to make a down payment on a home in our area?