His income is still lower than it was 10 years ago as he has had to retrain himself in a new industry, He was in his prior industry for almost 20 years. He has had roomates off and on. He hasnt had one the last year but if he took one in that would cover close to half his PITI. Even if the house was worth only $300K, his payments are well below rent so I would say he was still winning for the time being.