scarlet
Its not that they are more deserving, its that they have more income. That is what it is and should be all about for those guys. Its not just the level but the nature of it. Its recesssion proof (unless you are plastic surgeon) and it is not employment income. As a PHD you are someone’s employee and could be let go. Your income is not of the same nature as an MD’s. The point is not that these people are fabulous but rather different because of their incomes. My point is that when you all try to pigeonhole everyone and declare there should be no exceptions to 20% down you are not acknowledging that some people are different than you. I learned long ago that there are people who are smarter than me, better looking than me, have more money than mee, can do things I cant do and I’m OK with that. They desereve what they can get and I dont beleive I should try to limit them.

FWIW this particular friend is not, never was and never will be a client of mine.