It was finally enough. Pablo's bank account finally had the minimum for a down payment for a 30-year mortgage for an outer-borough co-op apartment. "We'll finally own a place," he told his wife Daniela, excited after getting off the phone with their Wells Fargo loan officer. "No cooking tonight. We're eating out."The two of them lifted their daughter by the hands every few steps as they walked down a mile to El Gauchito. They ordered their favorite, the mix grill for two, but this time they added a half carafe of house wine and a Coke for the little one."Mariela," Pablo said to their daughter.