If your husband is military you will qualify for VA financing which means $0 down payment, and I think in your case you may be better of buying, since you'll be in El Paso for at least 3 years. With a lease, you'll be paying a deposit, in addition for a deposit for each dog. You will not be able to make any changes and you'll have land lords walking through your rental at least once a month. Rents in El Paso are also inflated due to high demand, therefore, it may be a good idea to look into a mortgage because more than likely you'll be paying less for your mortgage than you would for a rental. If you would like a referral to a mortgage lender, you may send me an email at firstname.lastname@example.org, and I can definately get you started in the right direction. I work with DR Horton homes, a nation wide company so you may already be familiar with our product.