So the housing market sucks! And now the banks want to make a huge deal of over qualifying. Even the dog needs proof of income for the last 2 years for his bone burrying business!! WTF if the person that is trying to buy the house can afford the mortage payment 3 times over, and has been with same job for 3 years, then why is there a problem? And 3 lines of credit? Why do I have to waste money on credit card payments just to have good credit? I do well enough to afford a nice house but it would take me forever to save up the cash to buy it outright. So of course I need a loan to help me out. I can afford the mortage payments and afford rent still for my other place and the bank says its to risky?