Ever wonder why that $500K house suddenly feels like a lottery win? It’s not just the price tag—it’s the new, stricter rules lenders use to decide if you can actually afford it. Thanks to these formulas, you now need a six-figure salary just to get in the door. So, before you fall in love with a listing, check your monthly debts and income. Pro tip: paying down credit cards or boosting your down payment can help you squeak past the gatekeepers! #RealEstate #HomeBuying #MoneyHacks