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Installed a toilet today
(piefed.social)
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this post was submitted on 07 May 2026
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My first job makes $12/hr, and my second job makes $13.60/hr.
They aren't counting my second job because I've worked it 17 months, and they require it to be 24 months.
Thenthey tell me that they need 75% debt ratio as a down payment. Meaning if a house were 100k, and I make $0, then I'd need 75k down payment. But since they're only counting my first job, that's only 20k.
So on a 100k house, I'd need 55k down payment. Since 75k minus my 20k salary is now 55k. Not only do I not have 55k, but also the houses I want are in the 130-160k range.
But nooooope.
What kind of work do you do? You can easily beat that at like... Aldi. Or with a CPR, non-medical baby/elder sitting. Costco. Waiting tables. Bar back. Typing.
Alright, I misunderstood "I'm not good enough". I'm not familiar with whatever loan standard you're taking about, as it's different here. Not like it's a good system here anyway, still predatory as hell.
Leave yourself a healthy stash of money. 3-6 months of loan cost plus, I don't know, 5-10% of your down payment? Houses bring all kinds of new expenses. Some emergencies, some priorities, some luxuries you'll want. We're in different markets but it took at least 3 years to feel comfortable in my home financially.