It may be cheaper for you to buy a house out of town and rent your house out in the city.. the prices in the city are much more expensive and will pay off the morgage in no time at all…on top of that you may earn an additional income once that’s achieved… the banks sometimes consider assets to be better off over instant cash..
You mentioned though that you have jobs in the city, so move to an outta town area that’s not too far from the city but close enough..
Hatzlocha!!