Sure, because no one has 5.8 years of cash on hand, its almost an impossible target for most. 2 years of cash is possible though. Even the ability to put down 6

Sure, because no one has 5.8 years of cash on hand, its almost an impossible target for most. 2 years of cash is possible though. Even the ability to put down 6 months of cash would have a massive impact on a loan for 2x your salary and not so much on a loan for ~6x salary. Not paying attention to the total and only focusing on the monthly payment is how most people get into future crushing debt and very much not a good thing.