Plus new folks do a very poor job of screening the buyer for Ability To Repay (ATR) which involves pulling full doc and calculating the borrowers DTI, honest income, honest debt payments, prior debt payment histor (FICO) etc etc.Plus shockingly (or shocking to sellers) if you bought this investment house, fixed it, then are selling with financing you are selling "inventory" and y9ou owe taxes on the gain in the year of sale, you are NOT able to use installment sale to spread out paying taxes. 

My second house was under contract before it was even listed, but the combination of my GC disappearing and having to restart the permitting process for the carport in March right at the start of Corona lock downs dragged that out and eventually feel out of contract.

But I’d also buy the $200 5 year warranty.My last/only stackable I bought last year was LG, the combined towers to try to reduce noise, increase ease of use, and presents higher end look.

Yes, it is debt tied to a property she owns.

The sentiment feels a lot like 2008, home prices are unaffordable, Price to earning ratio don't make sense, rents are high (which is a goo thing only of the homes weren't so expensive), I feel like it's a ticking time bomb with the debt crisis.

It’s owning high quality assets within areas that have a high barrier to entry so that asset appreciates over time as you pay debt down.  

Most lenders I've worked with will use the lesser of the current rents or market rents reported by the appraiser when calculating your debt service coverage ratio. 

We are also seeing an increase due to the lower interest rate debt out there in a higher interest rate environment. 

Is there debt on the property or are you doing all cash?

Learn to control your spending and pay off debt.