Most banks look for debt rations around 28%/36%.

This Time article explains the rational, but in short, since the Fed gov makes student loans backed by tax payer dollars, those students should have to pay back their neighbors, no matter what.

Those are the hardest to overcome, because they aren't based on any kind of rational thought. 

. - Get employment references and call them - verify income - Set a ration you refuse to compromise of income to rent (typical is 3 to 1). - Get landlord references and call them - do a criminal background check - run reports on eviction history - ....then look at the credit score.

It's the same logic that goes into paying a higher p/e ration on stocks that have higher earnings growth. 

You argue...you will lose every time2 - Rationalization is the most expenssive wordin the REI vocabulary...so stop using it.

People have to live somewhere and the reasons given for “a new hip gentrifying area” is in reality often just a rationalization for finding an local and affordable spot

Karla Parraga I’m not a lawyer or a CPA but it’s sounds like a small rationalization for mortgage fraud.

I continue to rationalize pulling the trigger to myself because of the area that this property is and should be relatively safe for that fact.

That has been explained above.What can be misleading is when you try to rationalize a better ROI if you have no debt.