@Marcus Johnson, my apologies if my response to Ms.

Although I read a previous post in this forum re: asking for forgiveness vs. permission, I have to disagree in my case as I’ve gone down that road before - doing first and apologizing after – and my belief is that to have a true team mate on this adventure, I need for her to be on board every step of the way.

If it was all boring I apologize.

This is my first post here so I apologize if it is in the wrong place. 

Lots of replies I didn't read, so I apologize if I'm repeating things.

This may be a little off topic and if so I apologize but I often hear that Zillow, Trulia, RealtyTrac and the like, which are not MLS, are estimates and cannot be relied upon.

@Bill Gulley, my apologies...

Just to clear something up, and my apologies for mislabeling the Subject.

You really were falling under the ~6.83% rule.Purchase Price: $100,000Annual Income: $82,000 (82%)Monthly Income: ~$6,833.33Monthly Income/  Purchase Price = ~6.83% I did not see the post where you corrected your self, my apologies!

I don't see how this makes a significant difference in comparing the two rules.I'm not yet in a position to decide for myself what works for me, so I'd like to use the rules that work for other first and then change later if I find something else works better.I apologize for messing up the arithmetic of a rule I just learned today.