• Manu Garcia , Carlos Garriga
• 23 Jun, 2026

The first is from a household earning $235,000 a year. They are buying a second home—a vacation property—and putting 25% down. Their debt-to-income ratio sits at a comfortable 36%. They apply through a midsize lender for a conventional loan on a site-built home in a suburban neighborhood with plenty of recent comparable sales.
Read more...