NEW YORK (MONEY Magazine) -- Don Cruz had always assumed that the only time he would ride in a stretch would be to his own funeral. Instead, his heart was definitely beating, maybe a little too fast, as he and his son Donald, 10, stood like guys at a bachelor party with their heads out of the sunroof of a 30-foot Cadillac on the way to see their new house for the first time. -snip- The biggest problem, though, is that the Cruz family can't afford their new bounty. Don, a stay-at-home dad, and Shelly, an administrative assistant who's gone...