The problem most people have is their credit, not the mortgage. Both my mortgages (I’m not a landlord, but I do airbnb 3 months out of the year) are $1500/month, and most people pay that and more just for rent.

Nevermind the fact that some people are eligible to buy a home, but think they won’t qualify so they dont try. I was in that group with a credit score of 680, which is acceptable for the first time home owners program. I was accepted, and now I own 2 homes.