That doesn't sound right. You can definitely get a million dollar loan with $250k down on a $200k salary. I'd say it's pretty common. My friends own homes and fall into that category.

That’s 5x, actually less because of the deposit amount.

That's the point.

> You'll have tough time getting 5x.

5x isn't tough. It's easy. In fact, better.com will give it to you right now.

Ok, fair, but for the 80%+ of the U.S. that aren't high income earners 5x won't be as easy. I obviously didn't include a ton of nuance in my original post.

Wouldn't that make it a $750k loan on a $200k salary? So 3.5x

No. A $1 million dollar loan. So that the house you buy is then $1.25 million. If you have the money, try it on better.com