The SDAT info sez their property is valued at 263,000. That’s not money in-hand, but given the info you posted about the end-of-unit recent sale...
Makes you wonder...
Zillow estimates the house is worth $360,633.
No bank in their right mind would give a mortgage (which is $1200/mo they claim) for around $200,000 to people with a "combined" income of $45,000 and 4 kids to support. Obviously, the bank was given much different information and list of assets for them to secure a mortgage loan of that size.