N3 — outside your level filter

if only … — the good outcome an unmet condition would have produced

もう少すこし家賃やちんが安やすければ、あの部屋へやに住すめるのになあ。

mou sukoshi yachin ga yasukereba, ano heya ni sumeru noni naa.

If only the rent were a bit lower, I could live in that flat. casual

もう少すこし早はやく家いえを出でていたら、間まに合あったのに。

mou sukoshi hayaku ie o dete itara, ma ni atta noni.

If we'd left the house a bit earlier, we'd have made it. casual

Variants

〜ば〜のだが~ba~nodagaformal
のだが in place of のに — the written tail, and it trails off in resignation rather than complaining, もう少すこし予算よさんがあればいいのだが。

〜ば〜のに

ばのにba noniN3neutral