You gave them an income (post-tax?) of $200/month. Of course that makes it easy to loan them money. It's also very easy to qualify for a $500k mortgage if you

You gave them an income (post-tax?) of $200/month. Of course that makes it easy to loan them money. It's also very easy to qualify for a $500k mortgage if you are clearing $250k a year. It makes me wonder how old you are, as "house prices are 2.6x a household income" is something that last existed in most places in the mid-1990s. > To second order no one has a six figure credit history. It is remarkably incorrect to treat it as a flat "no six-figure history means they are all are equivalent to a $500 history". Almost everyone has four-figure credit history based on credit cards, most people have five-figure credit history based on car loans and many people have six-figure student debts.