Comment by dawnbreez

But we're not talking about an insolvent renter, we're talking about a renter who's making their payments. A renter who makes payments every month at 2500 can, and regularly is, not approved for a mortgage at 2000 a month, even though--based on the payment history--the renter would not only be able to make those payments, the mortgage payment would be easier for them to make--and therefore less risky--than the rent payment.