So it seems there wasn't a Politics Images thread before either

[Inquisitive Raven]

Also, the last time I looked (i.e. when I actually worked for a mortgage company), mortgage lenders calculated the maximum acceptable payment based on the gross income, not the net although I think it was something like 28% (which might translate to something close to 33% of net income but that's impossible to calculate without knowing how much is being subtracted to calculate the net) of the monthly gross for the mortgage payment and 36% of the monthly gross for the total debt which includes the mortgage payment and things like student loans, credit cards, and car payments. Also, if you can't cough up twenty percent of the sales price as a downpayment, they make you take out insurance on the mortgage itself. If you get a VA or FHA loan, the Federal government guarantees the loan; otherwise, you have to get private mortgage insurance which adds to your monthly payment.