File a claim if you're comfortable and can afford curve balls an insurance company may throw at you. 

However, because of our write offs, we have had a hard time getting a loan for a home, even though we can afford it.

@John Underwood - $0. lol -- At the time, I only had $25K and minimal income (i.e. not enough DTI to get a traditional loan and not enough cash to afford an investment loan).

I created a lifestyle i can’t afford.

Supportive housing gives these residents a permanent home where they can benefit from a combination of affordable, high-quality housing and support services that promote health, housing stability, and individual well-being."

it’s just a way for people who can’t afford to buy to get in to Airbnb with zero risk.

In Wisconsin the median family income can still buy/afford 1.9 median houeses. 

Buyers may be approved for a specific loan amount but not truly able to afford it.

Sometime the LTV limit is determined by how much they calculate you can afford. 

Rental for a few years and sold to transition to a more affordable market with higher cash flows.