DTI improves even more.There are 4 or 5 other formulas, but I suspect those are the ones most likely to be relevant to you today and in the near future.Reminder that the sheer number of loan originators exploded in 2020 when refi demand increased by 500%, most got very little training, since they were only hired to do refinances of owner occupied single family homes and condos for W2 wage earners, that's all they needed to be trained on.

and your inbox  may explode with folks wanting to help by having just the right deal for you......

I have seen people give up properties in 2013 that they bought in 2005, the watch them explode higher.

It also seems like the right thing to do as COVID is exploding in CA, and there are near zero ICU beds available in most of the state.

This number exploded over the last five years as the government propped up the mortgage market in the wake of the financial crisis.

@Anshuman VyasI prefer townhomes and beach houses over condos since they have exploded in prices recently. 

I went to grad school in Nashville ~ 20 y/a and real estate prices there have exploded recently.

Adding a property to my portfolio that has exploded with appreciation and added a significant amount of passive income to my annual salary

The surrounding cities and towns are exploding as well.  

Absolutely horrible idea that would explode the national deficit to an unprecedented level in no time flat, not to even go down the rabbit hole of how it would target the poor and middle class.