A lot of buyers assume that a higher income automatically means they can afford a more expensive home—but that's only part of the story.

In this episode, Zach and Sam break down the relationship between income, debt, and buying power, and explain why some high-income earners actually qualify for less than buyers making significantly less. They discuss how lenders evaluate debt-to-income ratios, the monthly obligations that impact mortgage approval, and the common financial decisions that can quietly reduce your buying power.

Whether you're planning to buy your first home or simply want to understand how lenders view your finances, this episode will help you see the bigger picture and make smarter decisions before starting your home search.

🏡 Topics include:

• Why income alone doesn't determine affordability

• How de ...