This is what I would do... Buy a 5 bedroom house and then rent out 4 of the other bedrooms for $800 each. Then you will have $3200 per month to pay for hoas mello roos and ramen noodles. Problem solved. :)
I am more surprised that you weren't on top of this. If you bought a new home at the end of the year, you weren't aware of the tax credit? Hello it is $10k. For $10k I'd do a bit more research.