So now that you have proven yourself full of shit suddenly income is not the point? GTFO with your bullshitThe income was not the point RDJ. The point was if you have 4 to 1 income to mortgage you can qualify with no credit score. 3200 take pay gets you an 800 mortgage and so forth.
The problem is people have 800 credit score 4K take home no down payment no savings and get verified for a 2k or 2.5k house that they can't afford when life happens.