The formula banks use — that almost nobody talks about. 🏦
Before you ever walk into a lender’s office, run this:
✅ Gross monthly income × 0.45 = your max debt ceiling
✅ Subtract your existing monthly payments
✅ Multiply what’s left by 150 = your real purchase price
$15,000/mo income with $1,000 in debt? You could qualify for an $862,000 home.
Most buyers get rejected not because of bad credit — but because they never ran this number first.
Save this. Run your numbers.
