I’ve never sold a home to a buyer with exotic financing and most of my clients loans have been 2X their annual income or less.

I’m not trying tofool anyone nor do I have to. If I ever chose to I have a couple master degrees from quality schools and a CPA certificate to fall back on. Before getting into RE, I worked in corporate America and made about 2X what I’ve made in RE. For me it was a personal choice that spending time with my kids during the “Wonder Years” was far more important than earning more money than I really need to live the life I choose which tends to be very modest.