Build a home outside your affordability-
Then take out an "interest-only" loan for the first two years ( with the thought that you will refi in 2 at a fixed rate )
Then instead of saving the difference between the interest only payment and normal fixed rate payment, go get cha a nice car.
Add a couple of LCD on 12 months no interest credit card, along with furnishings from Pottery Barn because you want your neighbors to think you make a large living